Capital One, National Association
SBA 7(a) Lending Profile · All Time analysis
Industry Focus
Top industries served by Capital One, National Association · All Time
| NAICS | Industry | Loans | Volume | Avg Loan | Share |
|---|---|---|---|---|---|
| 236118 | Residential Remodelers | 542 | $41.6M | $77K | 2.4% |
| 811111 | General Automotive Repair | 531 | $35.0M | $66K | 2.3% |
| 238220 | Plumbing, Heating, and Air-Conditioning Contractors | 460 | $27.3M | $59K | 2.0% |
| 561730 | Landscaping Services | 373 | $25.1M | $67K | 1.6% |
| 238210 | Electrical Contractors and Other Wiring Installation Contractors | 372 | $20.6M | $55K | 1.6% |
| 524210 | Insurance Agencies and Brokerages | 340 | $19.6M | $58K | 1.5% |
| 236115 | New Single-Family Housing Construction (except For-Sale Builders) | 339 | $17.4M | $51K | 1.5% |
| 541611 | Administrative Management and General Management Consulting Services | 285 | $15.0M | $53K | 1.3% |
| 441120 | Used Car Dealers | 278 | $14.5M | $52K | 1.2% |
| 522310 | Mortgage and Nonmortgage Loan Brokers | 272 | $13.7M | $50K | 1.2% |
Geographic Distribution
SBA lending activity for Capital One, National Association by state
| State | Loans | Volume | Share |
|---|---|---|---|
| Texas (TX) | 2,018 | $402.5M | 8.9% |
| New York (NY) | 1,900 | $276.8M | 8.4% |
| Louisiana (LA) | 1,097 | $221.9M | 4.8% |
| California (CA) | 3,028 | $156.3M | 13.3% |
| Florida (FL) | 1,521 | $122.6M | 6.7% |
| New Jersey (NJ) | 661 | $90.6M | 2.9% |
| Virginia (VA) | 608 | $88.7M | 2.7% |
| Maryland (MD) | 500 | $63.3M | 2.2% |
| Illinois (IL) | 766 | $46.0M | 3.4% |
| Georgia (GA) | 691 | $41.4M | 3.0% |
| Arizona (AZ) | 381 | $37.3M | 1.7% |
| Massachusetts (MA) | 497 | $37.2M | 2.2% |
| Michigan (MI) | 806 | $36.2M | 3.5% |
| Pennsylvania (PA) | 628 | $32.6M | 2.8% |
| Colorado (CO) | 616 | $31.1M | 2.7% |
| Ohio (OH) | 671 | $30.3M | 3.0% |
| North Carolina (NC) | 538 | $24.3M | 2.4% |
| Washington (WA) | 438 | $21.2M | 1.9% |
| District of Columbia (DC) | 69 | $19.0M | 0.3% |
| Wisconsin (WI) | 392 | $17.5M | 1.7% |
| Missouri (MO) | 378 | $17.1M | 1.7% |
| Indiana (IN) | 372 | $16.6M | 1.6% |
| Minnesota (MN) | 373 | $16.5M | 1.6% |
| Connecticut (CT) | 287 | $15.9M | 1.3% |
| Oregon (OR) | 340 | $15.5M | 1.5% |
| Alabama (AL) | 250 | $11.3M | 1.1% |
| Tennessee (TN) | 235 | $10.9M | 1.0% |
| Nevada (NV) | 210 | $10.2M | 0.9% |
| South Carolina (SC) | 219 | $9.6M | 1.0% |
| Arkansas (AR) | 178 | $9.3M | 0.8% |
| Utah (UT) | 195 | $9.3M | 0.9% |
| Kentucky (KY) | 200 | $8.4M | 0.9% |
| Kansas (KS) | 190 | $7.7M | 0.8% |
| Oklahoma (OK) | 163 | $7.5M | 0.7% |
| Iowa (IA) | 159 | $6.5M | 0.7% |
| New Hampshire (NH) | 125 | $6.0M | 0.5% |
| Mississippi (MS) | 103 | $5.6M | 0.5% |
| West Virginia (WV) | 65 | $4.8M | 0.3% |
| Idaho (ID) | 109 | $4.8M | 0.5% |
| New Mexico (NM) | 93 | $4.3M | 0.4% |
| Maine (ME) | 90 | $4.0M | 0.4% |
| Montana (MT) | 95 | $3.9M | 0.4% |
| Nebraska (NE) | 94 | $3.6M | 0.4% |
| Delaware (DE) | 47 | $3.3M | 0.2% |
| Hawaii (HI) | 59 | $2.8M | 0.3% |
| Rhode Island (RI) | 62 | $2.5M | 0.3% |
| Alaska (AK) | 52 | $2.5M | 0.2% |
| Vermont (VT) | 51 | $2.1M | 0.2% |
| North Dakota (ND) | 38 | $1.7M | 0.2% |
| Wyoming (WY) | 32 | $1.5M | 0.1% |
| South Dakota (SD) | 38 | $1.5M | 0.2% |
Why Choose Capital One, National Association?
Based on SBA 7(a) lending track record from 1991-2025
- ✓Proven Track Record: 22,728 SBA loans approved, totaling $2.02B in financing
- ✓Industry Expertise: Specialized focus on Residential Remodelers, General Automotive Repair, Plumbing, Heating, and Air-Conditioning Contractors
- ✓Competitive Terms: Average interest rate of 6.38% with flexible term lengths averaging 71 months
- ✓Loan Range: Loan sizes from $5K to $5.0M, with an average of $89K
- ✓Nationwide Reach: Active lending in 51 states, with strong presence in CA, TX, NY
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 One, National Association SBA lending
What types of businesses does Capital One, National Association typically finance?
Capital One, National Association specializes in SBA 7(a) lending to specific industries including residential remodelers, general automotive repair, plumbing, heating, and air-conditioning contractors, landscaping services. They have developed expertise in these sectors and understand the unique financial characteristics of each industry.
What are Capital One, National Association's typical SBA loan terms?
Capital One, National Association's SBA 7(a) loans typically feature an average interest rate of 6.38% and average term length of 71 months (approximately 6 years). Loan sizes range from $5K to $5.0M, with an average loan size of $89K.
Do I need a business valuation for a Capital One, National Association SBA loan?
Yes, Capital One, 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 One, National Association compare to other SBA lenders?
Capital One, National Association has originated 22,728 SBA loans totaling $2.02B 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 One, National Association lend in?
Capital One, National Association provides SBA 7(a) financing with particularly strong presence in CA, TX, NY, FL, LA. 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.