Capital City Bank
SBA 7(a) Lending Profile · All Time analysis
Industry Focus
Top industries served by Capital City Bank · All Time
| NAICS | Industry | Loans | Volume | Avg Loan | Share |
|---|---|---|---|---|---|
| 721110 | Hotels (except Casino Hotels) and Motels | 1 | $410K | $410K | 2.8% |
| 541213 | Tax Preparation Services | 1 | $100K | $100K | 2.8% |
| 812990 | All Other Personal Services | 1 | $619K | $619K | 2.8% |
| 621210 | Offices of Dentists | 1 | $100K | $100K | 2.8% |
| 337214 | Office Furniture (except Wood) Manufacturing | 1 | $75K | $75K | 2.8% |
| 811122 | Automotive Glass Replacement Shops | 1 | $130K | $130K | 2.8% |
| 541110 | Offices of Lawyers | 1 | $20K | $20K | 2.8% |
| 621111 | Offices of Physicians (except Mental Health Specialists) | 1 | $250K | $250K | 2.8% |
| 561440 | Collection Agencies | 1 | $75K | $75K | 2.8% |
| 541512 | Computer Systems Design Services | 1 | $12K | $12K | 2.8% |
Geographic Distribution
SBA lending activity for Capital City Bank by state
| State | Loans | Volume | Share |
|---|---|---|---|
| Georgia (GA) | 18 | $4.2M | 50.0% |
| Florida (FL) | 16 | $3.6M | 44.4% |
| Kansas (KS) | 1 | $296K | 2.8% |
| Alabama (AL) | 1 | $224K | 2.8% |
Why Choose Capital City Bank?
Based on SBA 7(a) lending track record from 1991-2019
- ✓Proven Track Record: 36 SBA loans approved, totaling $8.3M in financing
- ✓Industry Expertise: Specialized focus on Hotels (except Casino Hotels) and Motels, Tax Preparation Services, All Other Personal Services
- ✓Competitive Terms: Average interest rate of 8.25% with flexible term lengths averaging 110 months
- ✓Loan Range: Loan sizes from $12K to $1.0M, with an average of $231K
- ✓Nationwide Reach: Active lending in 4 states, with strong presence in GA, FL, AL
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 City Bank SBA lending
What types of businesses does Capital City Bank typically finance?
Capital City Bank specializes in SBA 7(a) lending to specific industries including hotels (except casino hotels) and motels, tax preparation services, all other personal services, offices of dentists. They have developed expertise in these sectors and understand the unique financial characteristics of each industry.
What are Capital City Bank's typical SBA loan terms?
Capital City Bank's SBA 7(a) loans typically feature an average interest rate of 8.25% and average term length of 110 months (approximately 9 years). Loan sizes range from $12K to $1.0M, with an average loan size of $231K.
Do I need a business valuation for a Capital City Bank SBA loan?
Yes, Capital City 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 City Bank compare to other SBA lenders?
Capital City Bank has originated 36 SBA loans totaling $8.3M since 1991. 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 City Bank lend in?
Capital City Bank provides SBA 7(a) financing with particularly strong presence in GA, FL, AL, KS. 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.