Capital Community Bank
SBA 7(a) Lending Profile · FY 2022 analysis
Industry Focus
Top industries served by Capital Community Bank
| NAICS | Industry | Loans | Volume | Avg Loan | Share |
|---|---|---|---|---|---|
| 424950 | Paint, Varnish, and Supplies Merchant Wholesalers | 32 | $13.2M | $414K | 4.2% |
| 541380 | Testing Laboratories | 32 | $8.3M | $261K | 4.2% |
| 722515 | Snack and Nonalcoholic Beverage Bars | 32 | $31.3M | $979K | 4.2% |
| 722511 | Full-Service Restaurants | 32 | $17.9M | $559K | 4.2% |
| 332322 | Sheet Metal Work Manufacturing | 24 | $19.1M | $795K | 3.2% |
| 722513 | Limited-Service Restaurants | 24 | $7.8M | $326K | 3.2% |
| 711310 | Promoters of Performing Arts, Sports, and Similar Events with Faciliti | 24 | $32.9M | $1.4M | 3.2% |
| 812990 | All Other Personal Services | 16 | $7.4M | $460K | 2.1% |
| 238210 | Electrical Contractors | 16 | $40.5M | $2.5M | 2.1% |
| 454390 | Other Direct Selling Establishments | 16 | $2.3M | $143K | 2.1% |
Geographic Distribution
SBA lending activity for Capital Community Bank by state
| State | Loans | Volume | Share |
|---|---|---|---|
| Utah (UT) | 512 | $371.6M | 67.4% |
| Texas (TX) | 48 | $56.5M | 6.3% |
| Arizona (AZ) | 48 | $48.7M | 6.3% |
| Tennessee (TN) | 8 | $32.0M | 1.1% |
| Colorado (CO) | 8 | $17.6M | 1.1% |
| New York (NY) | 8 | $13.1M | 1.1% |
| Florida (FL) | 16 | $13.0M | 2.1% |
| Washington (WA) | 24 | $12.3M | 3.2% |
| Ohio (OH) | 8 | $11.4M | 1.1% |
| Michigan (MI) | 16 | $5.8M | 2.1% |
| California (CA) | 16 | $4.9M | 2.1% |
| Connecticut (CT) | 8 | $4.2M | 1.1% |
| Minnesota (MN) | 8 | $2.6M | 1.1% |
| North Carolina (NC) | 8 | $2.1M | 1.1% |
| Idaho (ID) | 8 | $2.1M | 1.1% |
| Kentucky (KY) | 8 | $1.3M | 1.1% |
| Nevada (NV) | 8 | $1.2M | 1.1% |
Why Choose Capital Community Bank?
Based on SBA 7(a) lending track record from 2020-2025
- ✓Proven Track Record: 760 SBA loans approved, totaling $600.4M in financing
- ✓Industry Expertise: Specialized focus on Paint, Varnish, and Supplies Merchant Wholesalers, Testing Laboratories, Snack and Nonalcoholic Beverage Bars
- ✓Competitive Terms: Average interest rate of 9.61% with flexible term lengths averaging 141 months
- ✓Loan Range: Loan sizes from $25K to $4.6M, with an average of $790K
- ✓Nationwide Reach: Active lending in 17 states, with strong presence in UT, TX, AZ
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 Community Bank SBA lending
What types of businesses does Capital Community Bank typically finance?
Capital Community Bank specializes in SBA 7(a) lending to specific industries including paint, varnish, and supplies merchant wholesalers, testing laboratories, snack and nonalcoholic beverage bars, full-service restaurants. They have developed expertise in these sectors and understand the unique financial characteristics of each industry.
What are Capital Community Bank's typical SBA loan terms?
Capital Community Bank's SBA 7(a) loans typically feature an average interest rate of 9.61% and average term length of 141 months (approximately 12 years). Loan sizes range from $25K to $4.6M, with an average loan size of $790K.
Do I need a business valuation for a Capital Community Bank SBA loan?
Yes, Capital Community 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 Community Bank compare to other SBA lenders?
Capital Community Bank has originated 760 SBA loans totaling $600.4M 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 Community Bank lend in?
Capital Community Bank provides SBA 7(a) financing with particularly strong presence in UT, TX, AZ, WA, CA. 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.
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