Bank OZK
SBA 7(a) Lending Profile · FY 2023 analysis
Industry Focus
Top industries served by Bank OZK
| NAICS | Industry | Loans | Volume | Avg Loan | Share |
|---|---|---|---|---|---|
| 722511 | Full-Service Restaurants | 168 | $65.3M | $389K | 8.1% |
| 722513 | Limited-Service Restaurants | 88 | $33.5M | $381K | 4.2% |
| 621310 | Offices of Chiropractors | 72 | $10.6M | $148K | 3.5% |
| 722330 | Mobile Food Services | 48 | $2.6M | $54K | 2.3% |
| 541110 | Offices of Lawyers | 40 | $12.3M | $307K | 1.9% |
| 722515 | Snack and Nonalcoholic Beverage Bars | 40 | $15.0M | $375K | 1.9% |
| 112310 | Chicken Egg Production | 40 | $46.4M | $1.2M | 1.9% |
| 561730 | Landscaping Services | 40 | $8.5M | $213K | 1.9% |
| 811111 | General Automotive Repair | 40 | $17.7M | $443K | 1.9% |
| 112320 | Broilers and Other Meat Type | 32 | $22.6M | $708K | 1.5% |
Geographic Distribution
SBA lending activity for Bank OZK by state
| State | Loans | Volume | Share |
|---|---|---|---|
| Arkansas (AR) | 416 | $254.7M | 20.1% |
| Texas (TX) | 328 | $219.8M | 15.8% |
| Georgia (GA) | 568 | $210.1M | 27.4% |
| Florida (FL) | 440 | $149.3M | 21.2% |
| North Carolina (NC) | 256 | $56.3M | 12.4% |
| Alabama (AL) | 24 | $38.8M | 1.2% |
| South Carolina (SC) | 24 | $34.0M | 1.2% |
| Tennessee (TN) | 8 | $9.1M | 0.4% |
| California (CA) | 8 | $880K | 0.4% |
Why Choose Bank OZK?
Based on SBA 7(a) lending track record from 2020-2025
- ✓Proven Track Record: 2,072 SBA loans approved, totaling $972.9M in financing
- ✓Industry Expertise: Specialized focus on Full-Service Restaurants, Limited-Service Restaurants, Offices of Chiropractors
- ✓Competitive Terms: Average interest rate of 7.52% with flexible term lengths averaging 139 months
- ✓Loan Range: Loan sizes from $10K to $5.0M, with an average of $470K
- ✓Nationwide Reach: Active lending in 9 states, with strong presence in GA, FL, AR
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, limited-service restaurants, offices of chiropractors, mobile food services. 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 7.52% and average term length of 139 months (approximately 12 years). Loan sizes range from $10K to $5.0M, with an average loan size of $470K.
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 2,072 SBA loans totaling $972.9M 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 OZK lend in?
Bank OZK provides SBA 7(a) financing with particularly strong presence in GA, FL, AR, TX, 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.
Our industry research reports provide comprehensive intelligence for 1,000+ industries including financial benchmarks, growth trends, financing patterns, and which lenders are most active in your sector.
Explore Industry Reports →Need a Business Valuation?
Professional valuations are often required for SBA loans over $250,000.
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