Celtic Bank Corporation
SBA 7(a) Lending Profile · FY 2026 analysis
Industry Focus
Top industries served by Celtic Bank Corporation
| NAICS | Industry | Loans | Volume | Avg Loan | Share |
|---|---|---|---|---|---|
| 722511 | Full-Service Restaurants | 1,768 | $1.32B | $749K | 4.3% |
| 721110 | Hotels (except Casino Hotels) and Motels | 1,336 | $3.57B | $2.7M | 3.2% |
| 457110 | Other | 1,256 | $3.06B | $2.4M | 3.1% |
| 484110 | General Freight Trucking, Local | 1,248 | $1.47B | $1.2M | 3.0% |
| 722513 | Limited-Service Restaurants | 1,136 | $681.2M | $600K | 2.8% |
| 811192 | Car Washes | 936 | $2.37B | $2.5M | 2.3% |
| 447110 | Gasoline Stations with Convenience Stores | 832 | $1.65B | $2.0M | 2.0% |
| 236118 | Residential Remodelers | 704 | $136.4M | $194K | 1.7% |
| 812112 | Beauty Salons | 688 | $154.9M | $225K | 1.7% |
| 623312 | Homes for the Elderly | 672 | $1.20B | $1.8M | 1.6% |
Geographic Distribution
SBA lending activity for Celtic Bank Corporation by state
| State | Loans | Volume | Share |
|---|---|---|---|
| California (CA) | 8,448 | $6.58B | 20.5% |
| Texas (TX) | 3,816 | $3.38B | 9.3% |
| Florida (FL) | 3,400 | $1.73B | 8.3% |
| Arizona (AZ) | 1,872 | $1.57B | 4.6% |
| Washington (WA) | 1,088 | $1.29B | 2.6% |
| New York (NY) | 2,000 | $1.00B | 4.9% |
| Ohio (OH) | 1,000 | $915.1M | 2.4% |
| Utah (UT) | 1,304 | $891.7M | 3.2% |
| Georgia (GA) | 1,672 | $740.9M | 4.1% |
| Oregon (OR) | 680 | $686.4M | 1.7% |
| Connecticut (CT) | 584 | $669.7M | 1.4% |
| New Jersey (NJ) | 1,008 | $660.2M | 2.5% |
| Colorado (CO) | 1,088 | $657.3M | 2.6% |
| North Carolina (NC) | 1,184 | $627.0M | 2.9% |
| Michigan (MI) | 1,008 | $606.2M | 2.5% |
| Pennsylvania (PA) | 848 | $585.6M | 2.1% |
| Illinois (IL) | 1,040 | $581.0M | 2.5% |
| Tennessee (TN) | 640 | $469.9M | 1.6% |
| Maryland (MD) | 688 | $439.3M | 1.7% |
| Wisconsin (WI) | 560 | $398.6M | 1.4% |
| Virginia (VA) | 744 | $349.6M | 1.8% |
| South Carolina (SC) | 552 | $337.2M | 1.3% |
| Idaho (ID) | 320 | $332.4M | 0.8% |
| Indiana (IN) | 472 | $303.7M | 1.1% |
| Oklahoma (OK) | 264 | $299.9M | 0.6% |
| Nevada (NV) | 408 | $237.1M | 1.0% |
| Massachusetts (MA) | 552 | $231.6M | 1.3% |
| Louisiana (LA) | 408 | $225.5M | 1.0% |
| Missouri (MO) | 400 | $212.7M | 1.0% |
| Kansas (KS) | 264 | $193.4M | 0.6% |
| Mississippi (MS) | 168 | $176.4M | 0.4% |
| Kentucky (KY) | 208 | $168.9M | 0.5% |
| Alabama (AL) | 280 | $165.6M | 0.7% |
| Hawaii (HI) | 192 | $129.8M | 0.5% |
| Iowa (IA) | 136 | $117.3M | 0.3% |
| Nebraska (NE) | 192 | $98.4M | 0.5% |
| Wyoming (WY) | 104 | $94.9M | 0.3% |
| Delaware (DE) | 112 | $83.9M | 0.3% |
| Minnesota (MN) | 304 | $81.0M | 0.7% |
| New Hampshire (NH) | 120 | $67.5M | 0.3% |
| Arkansas (AR) | 208 | $65.6M | 0.5% |
| District of Columbia (DC) | 104 | $63.6M | 0.3% |
| Rhode Island (RI) | 80 | $63.6M | 0.2% |
| Montana (MT) | 88 | $49.7M | 0.2% |
| New Mexico (NM) | 112 | $48.7M | 0.3% |
| VI (VI) | 24 | $48.3M | 0.1% |
| Vermont (VT) | 56 | $46.6M | 0.1% |
| South Dakota (SD) | 56 | $40.1M | 0.1% |
| West Virginia (WV) | 96 | $27.5M | 0.2% |
| Alaska (AK) | 72 | $26.5M | 0.2% |
| Maine (ME) | 56 | $13.0M | 0.1% |
| North Dakota (ND) | 24 | $3.2M | 0.1% |
| PR (PR) | 8 | $1.2M | 0.0% |
Why Choose Celtic Bank Corporation?
Based on SBA 7(a) lending track record from 2020-2025
- ✓Proven Track Record: 41,112 SBA loans approved, totaling $28.89B in financing
- ✓Industry Expertise: Specialized focus on Full-Service Restaurants, Hotels (except Casino Hotels) and Motels, Other
- ✓Competitive Terms: Average interest rate of 9.24% with flexible term lengths averaging 157 months
- ✓Loan Range: Loan sizes from $3K to $5.0M, with an average of $703K
- ✓Nationwide Reach: Active lending in 53 states, with strong presence in CA, TX, 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 Celtic Bank Corporation SBA lending
What types of businesses does Celtic Bank Corporation typically finance?
Celtic Bank Corporation specializes in SBA 7(a) lending to specific industries including full-service restaurants, hotels (except casino hotels) and motels, other, general freight trucking, local. They have developed expertise in these sectors and understand the unique financial characteristics of each industry.
What are Celtic Bank Corporation's typical SBA loan terms?
Celtic Bank Corporation's SBA 7(a) loans typically feature an average interest rate of 9.24% and average term length of 157 months (approximately 13 years). Loan sizes range from $3K to $5.0M, with an average loan size of $703K.
Do I need a business valuation for a Celtic Bank Corporation SBA loan?
Yes, Celtic Bank Corporation 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 Celtic Bank Corporation compare to other SBA lenders?
Celtic Bank Corporation has originated 41,112 SBA loans totaling $28.89B 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 Celtic Bank Corporation lend in?
Celtic Bank Corporation provides SBA 7(a) financing with particularly strong presence in CA, TX, FL, NY, AZ. Based on their lending history, they have experience with diverse state-specific business regulations and licensing requirements.
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