Capital Bank
SBA 7(a) Lending Profile · All Time analysis
Industry Focus
Top industries served by Capital Bank · All Time
| NAICS | Industry | Loans | Volume | Avg Loan | Share |
|---|---|---|---|---|---|
| 812112 | Beauty Salons | 4 | $1.0M | $256K | 5.7% |
| 812199 | Other Personal Care Services | 3 | $1.5M | $516K | 4.3% |
| 488991 | Packing and Crating | 2 | $575K | $288K | 2.9% |
| 811121 | Automotive Body, Paint, and Interior Repair and Maintenance | 1 | $350K | $350K | 1.4% |
| 721110 | Hotels (except Casino Hotels) and Motels | 1 | $1.9M | $1.9M | 1.4% |
| 488510 | Freight Transportation Arrangement | 1 | $229K | $229K | 1.4% |
| 624410 | Child Care Services | 1 | $117K | $117K | 1.4% |
| 332911 | Industrial Valve Manufacturing | 1 | $485K | $485K | 1.4% |
| 325211 | Plastics Material and Resin Manufacturing | 1 | $950K | $950K | 1.4% |
| 811192 | Car Washes | 1 | $3.4M | $3.4M | 1.4% |
Geographic Distribution
SBA lending activity for Capital Bank by state
| State | Loans | Volume | Share |
|---|---|---|---|
| Texas (TX) | 47 | $30.5M | 67.1% |
| North Carolina (NC) | 18 | $6.3M | 25.7% |
| Minnesota (MN) | 5 | $855K | 7.1% |
Why Choose Capital Bank?
Based on SBA 7(a) lending track record from 1993-2024
- ✓Proven Track Record: 70 SBA loans approved, totaling $37.7M in financing
- ✓Industry Expertise: Specialized focus on Beauty Salons, Other Personal Care Services, Packing and Crating
- ✓Competitive Terms: Average interest rate of 6.20% with flexible term lengths averaging 111 months
- ✓Loan Range: Loan sizes from $18K to $5.0M, with an average of $538K
- ✓Nationwide Reach: Active lending in 3 states, with strong presence in TX, NC, MN
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 Capital Bank SBA lending
What types of businesses does Capital Bank typically finance?
Capital Bank specializes in SBA 7(a) lending to specific industries including beauty salons, other personal care services, packing and crating, automotive body, paint, and interior repair and maintenance. They have developed expertise in these sectors and understand the unique financial characteristics of each industry.
What are Capital Bank's typical SBA loan terms?
Capital Bank's SBA 7(a) loans typically feature an average interest rate of 6.20% and average term length of 111 months (approximately 9 years). Loan sizes range from $18K to $5.0M, with an average loan size of $538K.
Do I need a business valuation for a Capital Bank SBA loan?
Yes, Capital 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 Capital Bank compare to other SBA lenders?
Capital Bank has originated 70 SBA loans totaling $37.7M since 1993. 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 Capital Bank lend in?
Capital Bank provides SBA 7(a) financing with particularly strong presence in TX, NC, MN. 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?
Certified valuations are often required for SBA loans over $250,000.
Get your certified valuation from Fair Market Value.