Bank OZK
SBA 7(a) Lending Profile · All Time analysis
Industry Focus
Top industries served by Bank OZK · All Time
| NAICS | Industry | Loans | Volume | Avg Loan | Share |
|---|---|---|---|---|---|
| 722511 | Full-Service Restaurants | 44 | $22.2M | $505K | 2.6% |
| 621310 | Offices of Chiropractors | 38 | $7.3M | $193K | 2.3% |
| 624410 | Child Care Services | 30 | $21.5M | $718K | 1.8% |
| 721110 | Hotels (except Casino Hotels) and Motels | 26 | $53.1M | $2.0M | 1.6% |
| 238990 | All Other Specialty Trade Contractors | 25 | $13.2M | $528K | 1.5% |
| 722513 | Limited-Service Restaurants | 24 | $7.8M | $324K | 1.4% |
| 112320 | Broilers and Other Meat Type Chicken Production | 24 | $31.4M | $1.3M | 1.4% |
| 811192 | Car Washes | 20 | $17.0M | $848K | 1.2% |
| 621111 | Offices of Physicians (except Mental Health Specialists) | 19 | $11.3M | $594K | 1.1% |
| 811111 | General Automotive Repair | 18 | $5.4M | $301K | 1.1% |
Geographic Distribution
SBA lending activity for Bank OZK by state
| State | Loans | Volume | Share |
|---|---|---|---|
| Florida (FL) | 652 | $299.3M | 38.9% |
| Georgia (GA) | 277 | $151.7M | 16.5% |
| Texas (TX) | 413 | $133.4M | 24.6% |
| Arkansas (AR) | 227 | $94.3M | 13.5% |
| North Carolina (NC) | 85 | $20.6M | 5.1% |
| South Carolina (SC) | 7 | $11.4M | 0.4% |
| Alabama (AL) | 5 | $5.7M | 0.3% |
| Tennessee (TN) | 4 | $4.0M | 0.2% |
| Indiana (IN) | 1 | $2.5M | 0.1% |
| California (CA) | 2 | $273K | 0.1% |
| Oklahoma (OK) | 2 | $248K | 0.1% |
| Iowa (IA) | 1 | $80K | 0.1% |
| Colorado (CO) | 1 | $40K | 0.1% |
Why Choose Bank OZK?
Based on SBA 7(a) lending track record from 1991-2025
- ✓Proven Track Record: 1,677 SBA loans approved, totaling $723.5M in financing
- ✓Industry Expertise: Specialized focus on Full-Service Restaurants, Offices of Chiropractors, Child Care Services
- ✓Competitive Terms: Average interest rate of 6.48% with flexible term lengths averaging 129 months
- ✓Loan Range: Loan sizes from $150 to $5.0M, with an average of $431K
- ✓Nationwide Reach: Active lending in 13 states, with strong presence in FL, TX, GA
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 OZK SBA lending
What types of businesses does Bank OZK typically finance?
Bank OZK specializes in SBA 7(a) lending to specific industries including full-service restaurants, offices of chiropractors, child care services, hotels (except casino hotels) and motels. They have developed expertise in these sectors and understand the unique financial characteristics of each industry.
What are Bank OZK's typical SBA loan terms?
Bank OZK's SBA 7(a) loans typically feature an average interest rate of 6.48% and average term length of 129 months (approximately 11 years). Loan sizes range from $150 to $5.0M, with an average loan size of $431K.
Do I need a business valuation for a Bank OZK SBA loan?
Yes, Bank OZK 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 OZK compare to other SBA lenders?
Bank OZK has originated 1,677 SBA loans totaling $723.5M since 1991. 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 OZK lend in?
Bank OZK provides SBA 7(a) financing with particularly strong presence in FL, TX, GA, AR, 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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Explore Industry Reports →Need a Business Valuation?
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