Capitol National Bank
SBA 7(a) Lending Profile · FY 2021 analysis
Industry Focus
Top industries served by Capitol National Bank
| NAICS | Industry | Loans | Volume | Avg Loan | Share |
|---|---|---|---|---|---|
| 722513 | Limited-Service Restaurants | 128 | $44.7M | $350K | 37.2% |
| 722515 | Snack and Nonalcoholic Beverage Bars | 56 | $17.8M | $319K | 16.3% |
| 541990 | All Other Professional, Scientific, and Technical Services | 16 | $9.1M | $570K | 4.7% |
| 722511 | Full-Service Restaurants | 16 | $31.1M | $1.9M | 4.7% |
| 812910 | Pet Care (except Veterinary) Services | 16 | $26.4M | $1.7M | 4.7% |
| 541512 | Computer Systems Design Services | 8 | $200K | $25K | 2.3% |
| 424930 | Flower, Nursery Stock, and Florists' Supplies Merchant Wholesalers | 8 | $15.2M | $1.9M | 2.3% |
| 238160 | Roofing Contractors | 8 | $4.0M | $505K | 2.3% |
| 711310 | Promoters of Performing Arts, Sports, and Similar Events with Faciliti | 8 | $720K | $90K | 2.3% |
| 811121 | Automotive Body, Paint, and Interior Repair and Maintenance | 8 | $9.4M | $1.2M | 2.3% |
Geographic Distribution
SBA lending activity for Capitol National Bank by state
| State | Loans | Volume | Share |
|---|---|---|---|
| Michigan (MI) | 208 | $150.2M | 60.5% |
| Indiana (IN) | 72 | $28.0M | 20.9% |
| Florida (FL) | 40 | $14.4M | 11.6% |
| Georgia (GA) | 8 | $4.0M | 2.3% |
| North Carolina (NC) | 8 | $2.1M | 2.3% |
| Illinois (IL) | 8 | $1.8M | 2.3% |
Why Choose Capitol National Bank?
Based on SBA 7(a) lending track record from 2020-2025
- ✓Proven Track Record: 344 SBA loans approved, totaling $200.6M in financing
- ✓Industry Expertise: Specialized focus on Limited-Service Restaurants, Snack and Nonalcoholic Beverage Bars, All Other Professional, Scientific, and Technical Services
- ✓Competitive Terms: Average interest rate of 6.77% with flexible term lengths averaging 133 months
- ✓Loan Range: Loan sizes from $5K to $3.0M, with an average of $583K
- ✓Nationwide Reach: Active lending in 6 states, with strong presence in MI, IN, FL
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 National Bank SBA lending
What types of businesses does Capitol National Bank typically finance?
Capitol National Bank specializes in SBA 7(a) lending to specific industries including limited-service restaurants, snack and nonalcoholic beverage bars, all other professional, scientific, and technical services, full-service restaurants. They have developed expertise in these sectors and understand the unique financial characteristics of each industry.
What are Capitol National Bank's typical SBA loan terms?
Capitol National Bank's SBA 7(a) loans typically feature an average interest rate of 6.77% and average term length of 133 months (approximately 11 years). Loan sizes range from $5K to $3.0M, with an average loan size of $583K.
Do I need a business valuation for a Capitol National Bank SBA loan?
Yes, Capitol National 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 National Bank compare to other SBA lenders?
Capitol National Bank has originated 344 SBA loans totaling $200.6M 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 National Bank lend in?
Capitol National Bank provides SBA 7(a) financing with particularly strong presence in MI, IN, FL, NC, 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.
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