Bank Five Nine
SBA 7(a) Lending Profile · FY 2025 analysis
Industry Focus
Top industries served by Bank Five Nine
| NAICS | Industry | Loans | Volume | Avg Loan | Share |
|---|---|---|---|---|---|
| 531130 | Lessors of Miniwarehouses and Self-Storage Units | 1,504 | $1.58B | $1.0M | 23.8% |
| 722513 | Limited-Service Restaurants | 632 | $461.8M | $731K | 10.0% |
| 624410 | Child Day Care Services | 536 | $346.9M | $647K | 8.5% |
| 623312 | Homes for the Elderly | 344 | $410.0M | $1.2M | 5.4% |
| 722515 | Snack and Nonalcoholic Beverage Bars | 280 | $265.4M | $948K | 4.4% |
| 722511 | Full-Service Restaurants | 192 | $212.7M | $1.1M | 3.0% |
| 621330 | Offices of Mental Health Practitioners (except Physicians) | 168 | $81.2M | $483K | 2.7% |
| 713990 | All Other Amusement and Recreation Industries | 136 | $133.2M | $980K | 2.2% |
| 493110 | General Warehousing and Storage | 136 | $238.8M | $1.8M | 2.2% |
| 447110 | Gasoline Stations with Convenience Stores | 120 | $94.5M | $788K | 1.9% |
Geographic Distribution
SBA lending activity for Bank Five Nine by state
| State | Loans | Volume | Share |
|---|---|---|---|
| Texas (TX) | 896 | $957.0M | 14.2% |
| Wisconsin (WI) | 1,264 | $717.3M | 20.0% |
| Florida (FL) | 520 | $520.7M | 8.2% |
| California (CA) | 392 | $283.0M | 6.2% |
| Michigan (MI) | 160 | $202.1M | 2.5% |
| Maryland (MD) | 112 | $200.4M | 1.8% |
| Illinois (IL) | 224 | $157.0M | 3.5% |
| Arizona (AZ) | 168 | $152.0M | 2.7% |
| Ohio (OH) | 160 | $142.7M | 2.5% |
| North Carolina (NC) | 248 | $135.6M | 3.9% |
| Indiana (IN) | 120 | $127.1M | 1.9% |
| Georgia (GA) | 168 | $123.2M | 2.7% |
| Missouri (MO) | 96 | $121.5M | 1.5% |
| Colorado (CO) | 136 | $106.8M | 2.2% |
| Massachusetts (MA) | 104 | $100.1M | 1.6% |
| Virginia (VA) | 120 | $97.4M | 1.9% |
| Alabama (AL) | 88 | $92.0M | 1.4% |
| Kansas (KS) | 112 | $86.9M | 1.8% |
| Utah (UT) | 88 | $86.5M | 1.4% |
| Tennessee (TN) | 120 | $77.2M | 1.9% |
| Washington (WA) | 64 | $69.5M | 1.0% |
| South Carolina (SC) | 80 | $68.4M | 1.3% |
| Louisiana (LA) | 56 | $67.7M | 0.9% |
| Rhode Island (RI) | 16 | $65.7M | 0.3% |
| Oregon (OR) | 72 | $62.7M | 1.1% |
| Mississippi (MS) | 56 | $59.1M | 0.9% |
| New Jersey (NJ) | 112 | $53.9M | 1.8% |
| New York (NY) | 128 | $50.9M | 2.0% |
| Iowa (IA) | 40 | $41.7M | 0.6% |
| Vermont (VT) | 16 | $40.3M | 0.3% |
| Connecticut (CT) | 40 | $37.3M | 0.6% |
| Hawaii (HI) | 16 | $34.8M | 0.3% |
| New Mexico (NM) | 24 | $31.3M | 0.4% |
| Nebraska (NE) | 24 | $25.0M | 0.4% |
| Idaho (ID) | 32 | $23.6M | 0.5% |
| Oklahoma (OK) | 16 | $21.8M | 0.3% |
| Pennsylvania (PA) | 64 | $18.0M | 1.0% |
| Arkansas (AR) | 24 | $17.3M | 0.4% |
| Nevada (NV) | 48 | $15.6M | 0.8% |
| Alaska (AK) | 8 | $15.3M | 0.1% |
| New Hampshire (NH) | 24 | $6.4M | 0.4% |
| Minnesota (MN) | 16 | $6.4M | 0.3% |
| Kentucky (KY) | 16 | $3.2M | 0.3% |
| Montana (MT) | 16 | $2.0M | 0.3% |
| Delaware (DE) | 8 | $1.5M | 0.1% |
| PR (PR) | 8 | $1.2M | 0.1% |
Why Choose Bank Five Nine?
Based on SBA 7(a) lending track record from 2020-2025
- ✓Proven Track Record: 6,320 SBA loans approved, totaling $5.33B in financing
- ✓Industry Expertise: Specialized focus on Lessors of Miniwarehouses and Self-Storage Units, Limited-Service Restaurants, Child Day Care Services
- ✓Competitive Terms: Average interest rate of 7.68% with flexible term lengths averaging 194 months
- ✓Loan Range: Loan sizes from $23K to $5.0M, with an average of $843K
- ✓Nationwide Reach: Active lending in 46 states, with strong presence in WI, TX, FL
Note: Approval and terms are subject to SBA and lender requirements. This profile is based on historical data and does not guarantee future lending decisions.
Frequently Asked Questions
Common questions about Bank Five Nine SBA lending
What types of businesses does Bank Five Nine typically finance?
Bank Five Nine specializes in SBA 7(a) lending to specific industries including lessors of miniwarehouses and self-storage units, limited-service restaurants, child day care services, homes for the elderly. They have developed expertise in these sectors and understand the unique financial characteristics of each industry.
What are Bank Five Nine's typical SBA loan terms?
Bank Five Nine's SBA 7(a) loans typically feature an average interest rate of 7.68% and average term length of 194 months (approximately 16 years). Loan sizes range from $23K to $5.0M, with an average loan size of $843K.
Do I need a business valuation for a Bank Five Nine SBA loan?
Yes, Bank Five Nine typically requires a professional business valuation for SBA loans over $250,000 or for change-of-ownership transactions. A certified valuation helps establish the purchase price, loan amount, and ensures SBA compliance. The valuation typically costs $5,000-$15,000 depending on business complexity.
How does Bank Five Nine compare to other SBA lenders?
Bank Five Nine has originated 6,320 SBA loans totaling $5.33B since 2020. They distinguish themselves through industry specialization and expertise in their focus sectors. Compare their rates and terms with other lenders in our Commercial Lending Directory.
What states does Bank Five Nine lend in?
Bank Five Nine provides SBA 7(a) financing with particularly strong presence in WI, TX, FL, CA, NC. Based on their lending history, they have experience with diverse state-specific business regulations and licensing requirements.
Research Your Target Industry Before Applying
Before applying for SBA financing, research your industry's typical loan sizes, approval rates, and specialized lenders. Understanding industry-specific financing patterns can help you find the right lender and strengthen your application.
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Professional valuations are often required for SBA loans over $250,000.
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