Cadence Bank
SBA 7(a) Lending Profile · All Time analysis
Industry Focus
Top industries served by Cadence Bank
| NAICS | Industry | Loans | Volume | Avg Loan | Share |
|---|---|---|---|---|---|
| 722511 | Full-Service Restaurants | 1,440 | $725.6M | $504K | 3.7% |
| 722513 | Limited-Service Restaurants | 1,336 | $645.1M | $483K | 3.4% |
| 713940 | Fitness and Recreational Sports Centers | 1,040 | $478.8M | $460K | 2.7% |
| 238990 | All Other Specialty Trade Contractors | 896 | $304.6M | $340K | 2.3% |
| 541990 | All Other Professional, Scientific, and Technical Services | 824 | $228.0M | $277K | 2.1% |
| 721110 | Hotels (except Casino Hotels) and Motels | 792 | $2.06B | $2.6M | 2.0% |
| 484121 | General Freight Trucking, Long Distance, Truckload | 760 | $329.7M | $434K | 2.0% |
| 722515 | Snack and Nonalcoholic Beverage Bars | 744 | $606.9M | $816K | 1.9% |
| 236115 | New Single-Family Housing Construction (except Operative Builders) | 648 | $192.8M | $298K | 1.7% |
| 484110 | General Freight Trucking, Local | 648 | $238.1M | $367K | 1.7% |
Geographic Distribution
SBA lending activity for Cadence Bank by state
| State | Loans | Volume | Share |
|---|---|---|---|
| Texas (TX) | 5,184 | $2.87B | 13.3% |
| Georgia (GA) | 2,672 | $1.75B | 6.9% |
| Florida (FL) | 3,848 | $1.75B | 9.9% |
| California (CA) | 5,648 | $1.70B | 14.5% |
| Illinois (IL) | 1,504 | $786.7M | 3.9% |
| Virginia (VA) | 1,048 | $735.4M | 2.7% |
| New York (NY) | 2,000 | $650.8M | 5.1% |
| Ohio (OH) | 880 | $598.2M | 2.3% |
| North Carolina (NC) | 976 | $524.6M | 2.5% |
| Tennessee (TN) | 872 | $462.9M | 2.2% |
| New Jersey (NJ) | 1,288 | $441.9M | 3.3% |
| South Carolina (SC) | 640 | $422.9M | 1.6% |
| Alabama (AL) | 808 | $403.3M | 2.1% |
| Colorado (CO) | 1,032 | $371.7M | 2.6% |
| Pennsylvania (PA) | 872 | $354.6M | 2.2% |
| Arizona (AZ) | 872 | $346.6M | 2.2% |
| Mississippi (MS) | 440 | $315.0M | 1.1% |
| Indiana (IN) | 528 | $311.2M | 1.4% |
| Louisiana (LA) | 568 | $309.0M | 1.5% |
| Michigan (MI) | 592 | $298.5M | 1.5% |
| Arkansas (AR) | 368 | $280.5M | 0.9% |
| Missouri (MO) | 496 | $272.3M | 1.3% |
| Maryland (MD) | 480 | $222.6M | 1.2% |
| Washington (WA) | 768 | $215.6M | 2.0% |
| Oregon (OR) | 624 | $194.8M | 1.6% |
| Nevada (NV) | 384 | $189.0M | 1.0% |
| Massachusetts (MA) | 480 | $181.4M | 1.2% |
| Utah (UT) | 488 | $154.4M | 1.3% |
| Wisconsin (WI) | 296 | $114.4M | 0.8% |
| Oklahoma (OK) | 144 | $113.6M | 0.4% |
| Kentucky (KY) | 144 | $96.5M | 0.4% |
| Connecticut (CT) | 248 | $78.9M | 0.6% |
| Kansas (KS) | 136 | $69.1M | 0.3% |
| Minnesota (MN) | 240 | $57.5M | 0.6% |
| Iowa (IA) | 112 | $54.2M | 0.3% |
| Idaho (ID) | 208 | $52.5M | 0.5% |
| Delaware (DE) | 128 | $47.3M | 0.3% |
| Alaska (AK) | 24 | $43.6M | 0.1% |
| Wyoming (WY) | 104 | $41.9M | 0.3% |
| New Hampshire (NH) | 112 | $39.7M | 0.3% |
| New Mexico (NM) | 112 | $38.4M | 0.3% |
| Montana (MT) | 64 | $33.6M | 0.2% |
| West Virginia (WV) | 80 | $33.2M | 0.2% |
| Hawaii (HI) | 88 | $29.3M | 0.2% |
| Rhode Island (RI) | 72 | $28.4M | 0.2% |
| Nebraska (NE) | 96 | $23.5M | 0.2% |
| District of Columbia (DC) | 40 | $15.2M | 0.1% |
| Vermont (VT) | 56 | $13.6M | 0.1% |
| Maine (ME) | 48 | $12.7M | 0.1% |
| South Dakota (SD) | 32 | $8.8M | 0.1% |
| North Dakota (ND) | 24 | $6.2M | 0.1% |
Why Choose Cadence Bank?
Based on SBA 7(a) lending track record from 2020-2025
- ✓Proven Track Record: 38,968 SBA loans approved, totaling $18.16B in financing
- ✓Industry Expertise: Specialized focus on Full-Service Restaurants, Limited-Service Restaurants, Fitness and Recreational Sports Centers
- ✓Competitive Terms: Average interest rate of 8.65% with flexible term lengths averaging 135 months
- ✓Loan Range: Loan sizes from $25K to $5.0M, with an average of $466K
- ✓Nationwide Reach: Active lending in 51 states, with strong presence in CA, 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 Cadence Bank SBA lending
What types of businesses does Cadence Bank typically finance?
Cadence Bank specializes in SBA 7(a) lending to specific industries including full-service restaurants, limited-service restaurants, fitness and recreational sports centers, all other specialty trade contractors. They have developed expertise in these sectors and understand the unique financial characteristics of each industry.
What are Cadence Bank's typical SBA loan terms?
Cadence Bank's SBA 7(a) loans typically feature an average interest rate of 8.65% and average term length of 135 months (approximately 11 years). Loan sizes range from $25K to $5.0M, with an average loan size of $466K.
Do I need a business valuation for a Cadence Bank SBA loan?
Yes, Cadence 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 Cadence Bank compare to other SBA lenders?
Cadence Bank has originated 38,968 SBA loans totaling $18.16B 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 Cadence Bank lend in?
Cadence Bank provides SBA 7(a) financing with particularly strong presence in CA, TX, FL, GA, NY. 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.