BNC National Bank
SBA 7(a) Lending Profile · All Time analysis
Industry Focus
Top industries served by BNC National Bank
| NAICS | Industry | Loans | Volume | Avg Loan | Share |
|---|---|---|---|---|---|
| 623312 | Homes for the Elderly | 40 | $28.6M | $716K | 6.8% |
| 541211 | Offices of Certified Public Accountants | 32 | $3.5M | $109K | 5.4% |
| 713990 | All Other Amusement and Recreation Industries | 24 | $35.6M | $1.5M | 4.1% |
| 621210 | Offices of Dentists | 24 | $7.2M | $300K | 4.1% |
| 524210 | Insurance Agencies and Brokerages | 24 | $8.2M | $340K | 4.1% |
| 236118 | Residential Remodelers | 16 | $3.8M | $238K | 2.7% |
| 722511 | Full-Service Restaurants | 16 | $14.0M | $875K | 2.7% |
| 623220 | Residential Mental Health and Substance Abuse Facilities | 16 | $3.3M | $205K | 2.7% |
| 337110 | Wood Kitchen Cabinet and Countertop Manufacturing | 16 | $7.5M | $472K | 2.7% |
| 722513 | Limited-Service Restaurants | 16 | $5.3M | $331K | 2.7% |
Geographic Distribution
SBA lending activity for BNC National Bank by state
| State | Loans | Volume | Share |
|---|---|---|---|
| Arizona (AZ) | 576 | $250.6M | 97.3% |
| North Dakota (ND) | 8 | $17.0M | 1.4% |
| Tennessee (TN) | 8 | $3.1M | 1.4% |
Why Choose BNC National Bank?
Based on SBA 7(a) lending track record from 2020-2025
- ✓Proven Track Record: 592 SBA loans approved, totaling $270.6M in financing
- ✓Industry Expertise: Specialized focus on Homes for the Elderly, Offices of Certified Public Accountants, All Other Amusement and Recreation Industries
- ✓Competitive Terms: Average interest rate of 7.87% with flexible term lengths averaging 136 months
- ✓Loan Range: Loan sizes from $15K to $3.1M, with an average of $457K
- ✓Nationwide Reach: Active lending in 3 states, with strong presence in AZ, ND, TN
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 BNC National Bank SBA lending
What types of businesses does BNC National Bank typically finance?
BNC National Bank specializes in SBA 7(a) lending to specific industries including homes for the elderly, offices of certified public accountants, all other amusement and recreation industries, offices of dentists. They have developed expertise in these sectors and understand the unique financial characteristics of each industry.
What are BNC National Bank's typical SBA loan terms?
BNC National Bank's SBA 7(a) loans typically feature an average interest rate of 7.87% and average term length of 136 months (approximately 11 years). Loan sizes range from $15K to $3.1M, with an average loan size of $457K.
Do I need a business valuation for a BNC National Bank SBA loan?
Yes, BNC National Bank 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 BNC National Bank compare to other SBA lenders?
BNC National Bank has originated 592 SBA loans totaling $270.6M 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 BNC National Bank lend in?
BNC National Bank provides SBA 7(a) financing with particularly strong presence in AZ, ND, TN. 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.
Get your certified valuation from Fair Market Value.