Capital Bank, National Association
SBA 7(a) Lending Profile · All Time analysis
Industry Focus
Top industries served by Capital Bank, National Association
| NAICS | Industry | Loans | Volume | Avg Loan | Share |
|---|---|---|---|---|---|
| 524210 | Insurance Agencies and Brokerages | 288 | $83.6M | $290K | 5.9% |
| 541110 | Offices of Lawyers | 216 | $54.8M | $254K | 4.5% |
| 541990 | All Other Professional, Scientific, and Technical Services | 216 | $77.5M | $359K | 4.5% |
| 541511 | Custom Computer Programming Services | 128 | $44.5M | $348K | 2.6% |
| 541330 | Engineering Services | 120 | $33.3M | $278K | 2.5% |
| 713990 | All Other Amusement and Recreation Industries | 88 | $126.5M | $1.4M | 1.8% |
| 621111 | Offices of Physicians (except Mental Health Specialists) | 88 | $31.7M | $360K | 1.8% |
| 236118 | Residential Remodelers | 80 | $50.9M | $636K | 1.7% |
| 541512 | Computer Systems Design Services | 80 | $25.6M | $321K | 1.7% |
| 541613 | Marketing Consulting Services | 80 | $30.7M | $383K | 1.7% |
Geographic Distribution
SBA lending activity for Capital Bank, National Association by state
| State | Loans | Volume | Share |
|---|---|---|---|
| Virginia (VA) | 568 | $375.2M | 11.7% |
| Maryland (MD) | 560 | $367.2M | 11.6% |
| North Carolina (NC) | 360 | $266.0M | 7.4% |
| California (CA) | 480 | $257.5M | 9.9% |
| Texas (TX) | 344 | $239.0M | 7.1% |
| New York (NY) | 280 | $184.2M | 5.8% |
| Florida (FL) | 448 | $158.9M | 9.2% |
| Georgia (GA) | 272 | $115.8M | 5.6% |
| Illinois (IL) | 160 | $100.8M | 3.3% |
| Colorado (CO) | 104 | $87.1M | 2.1% |
| South Carolina (SC) | 152 | $84.5M | 3.1% |
| Nevada (NV) | 40 | $69.5M | 0.8% |
| Indiana (IN) | 64 | $64.5M | 1.3% |
| Arizona (AZ) | 64 | $51.6M | 1.3% |
| Louisiana (LA) | 64 | $40.0M | 1.3% |
| Oregon (OR) | 40 | $36.1M | 0.8% |
| District of Columbia (DC) | 64 | $35.2M | 1.3% |
| Tennessee (TN) | 120 | $30.1M | 2.5% |
| Washington (WA) | 88 | $25.0M | 1.8% |
| New Jersey (NJ) | 72 | $24.8M | 1.5% |
| Michigan (MI) | 80 | $22.0M | 1.7% |
| Utah (UT) | 48 | $21.8M | 1.0% |
| Pennsylvania (PA) | 40 | $20.6M | 0.8% |
| Connecticut (CT) | 8 | $17.9M | 0.2% |
| Ohio (OH) | 32 | $13.9M | 0.7% |
| Iowa (IA) | 32 | $12.6M | 0.7% |
| Massachusetts (MA) | 48 | $12.2M | 1.0% |
| Wisconsin (WI) | 16 | $11.4M | 0.3% |
| Kentucky (KY) | 32 | $11.3M | 0.7% |
| Oklahoma (OK) | 32 | $9.9M | 0.7% |
| Mississippi (MS) | 8 | $8.0M | 0.2% |
| Hawaii (HI) | 16 | $7.3M | 0.3% |
| Alabama (AL) | 16 | $6.5M | 0.3% |
| Montana (MT) | 16 | $6.0M | 0.3% |
| New Mexico (NM) | 16 | $5.6M | 0.3% |
| Minnesota (MN) | 16 | $4.8M | 0.3% |
| Missouri (MO) | 16 | $4.4M | 0.3% |
| Delaware (DE) | 16 | $4.2M | 0.3% |
| West Virginia (WV) | 8 | $1.8M | 0.2% |
| New Hampshire (NH) | 8 | $1.6M | 0.2% |
Why Choose Capital Bank, National Association?
Based on SBA 7(a) lending track record from 2020-2025
- ✓Proven Track Record: 4,848 SBA loans approved, totaling $2.82B in financing
- ✓Industry Expertise: Specialized focus on Insurance Agencies and Brokerages, Offices of Lawyers, All Other Professional, Scientific, and Technical Services
- ✓Competitive Terms: Average interest rate of 8.21% with flexible term lengths averaging 129 months
- ✓Loan Range: Loan sizes from $40K to $5.0M, with an average of $581K
- ✓Nationwide Reach: Active lending in 40 states, with strong presence in VA, MD, CA
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, National Association SBA lending
What types of businesses does Capital Bank, National Association typically finance?
Capital Bank, National Association specializes in SBA 7(a) lending to specific industries including insurance agencies and brokerages, offices of lawyers, all other professional, scientific, and technical services, custom computer programming services. They have developed expertise in these sectors and understand the unique financial characteristics of each industry.
What are Capital Bank, National Association's typical SBA loan terms?
Capital Bank, National Association's SBA 7(a) loans typically feature an average interest rate of 8.21% and average term length of 129 months (approximately 11 years). Loan sizes range from $40K to $5.0M, with an average loan size of $581K.
Do I need a business valuation for a Capital Bank, National Association SBA loan?
Yes, Capital Bank, National Association 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, National Association compare to other SBA lenders?
Capital Bank, National Association has originated 4,848 SBA loans totaling $2.82B 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 Capital Bank, National Association lend in?
Capital Bank, National Association provides SBA 7(a) financing with particularly strong presence in VA, MD, CA, FL, 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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