Capitol Federal Savings Bank
SBA 7(a) Lending Profile · FY 2023 analysis
Industry Focus
Top industries served by Capitol Federal Savings Bank
| NAICS | Industry | Loans | Volume | Avg Loan | Share |
|---|---|---|---|---|---|
| 713940 | Fitness and Recreational Sports Centers | 24 | $1.8M | $77K | 8.6% |
| 722511 | Full-Service Restaurants | 16 | $4.0M | $249K | 5.7% |
| 445310 | Beer, Wine, and Liquor Stores | 16 | $2.0M | $125K | 5.7% |
| 447110 | Gasoline Stations with Convenience Stores | 16 | $5.5M | $345K | 5.7% |
| 445240 | Other | 16 | $13.2M | $826K | 5.7% |
| 621310 | Offices of Chiropractors | 16 | $4.2M | $263K | 5.7% |
| 812112 | Beauty Salons | 8 | $1.0M | $126K | 2.9% |
| 448130 | Children's and Infants' Clothing Stores | 8 | $1.6M | $205K | 2.9% |
| 722320 | Caterers | 8 | $2.0M | $250K | 2.9% |
| 238220 | Plumbing, Heating, and Air-Conditioning Contractors | 8 | $1.1M | $135K | 2.9% |
Geographic Distribution
SBA lending activity for Capitol Federal Savings Bank by state
| State | Loans | Volume | Share |
|---|---|---|---|
| Kansas (KS) | 200 | $31.1M | 71.4% |
| Missouri (MO) | 72 | $26.7M | 25.7% |
| Georgia (GA) | 8 | $6.4M | 2.9% |
Why Choose Capitol Federal Savings Bank?
Based on SBA 7(a) lending track record from 2020-2025
- ✓Proven Track Record: 280 SBA loans approved, totaling $64.3M in financing
- ✓Industry Expertise: Specialized focus on Fitness and Recreational Sports Centers, Full-Service Restaurants, Beer, Wine, and Liquor Stores
- ✓Competitive Terms: Average interest rate of 5.44% with flexible term lengths averaging 95 months
- ✓Loan Range: Loan sizes from $10K to $851K, with an average of $230K
- ✓Nationwide Reach: Active lending in 3 states, with strong presence in KS, MO, GA
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 Capitol Federal Savings Bank SBA lending
What types of businesses does Capitol Federal Savings Bank typically finance?
Capitol Federal Savings Bank specializes in SBA 7(a) lending to specific industries including fitness and recreational sports centers, full-service restaurants, beer, wine, and liquor stores, gasoline stations with convenience stores. They have developed expertise in these sectors and understand the unique financial characteristics of each industry.
What are Capitol Federal Savings Bank's typical SBA loan terms?
Capitol Federal Savings Bank's SBA 7(a) loans typically feature an average interest rate of 5.44% and average term length of 95 months (approximately 8 years). Loan sizes range from $10K to $851K, with an average loan size of $230K.
Do I need a business valuation for a Capitol Federal Savings Bank SBA loan?
Yes, Capitol Federal Savings 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 Capitol Federal Savings Bank compare to other SBA lenders?
Capitol Federal Savings Bank has originated 280 SBA loans totaling $64.3M 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 Capitol Federal Savings Bank lend in?
Capitol Federal Savings Bank provides SBA 7(a) financing with particularly strong presence in KS, MO, GA. 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.
Get your certified valuation from Fair Market Value.