Centerstone SBA Lending, Inc.
SBA 7(a) Lending Profile · FY 2021 analysis
Industry Focus
Top industries served by Centerstone SBA Lending, Inc.
| NAICS | Industry | Loans | Volume | Avg Loan | Share |
|---|---|---|---|---|---|
| 721110 | Hotels (except Casino Hotels) and Motels | 592 | $1.44B | $2.4M | 20.3% |
| 722511 | Full-Service Restaurants | 240 | $237.0M | $988K | 8.2% |
| 722513 | Limited-Service Restaurants | 216 | $169.7M | $786K | 7.4% |
| 445320 | Other | 184 | $196.8M | $1.1M | 6.3% |
| 457110 | Other | 120 | $204.8M | $1.7M | 4.1% |
| 492110 | Couriers | 120 | $52.4M | $437K | 4.1% |
| 445110 | Supermarkets and Other Grocery (except Convenience) Stores | 72 | $115.5M | $1.6M | 2.5% |
| 447110 | Gasoline Stations with Convenience Stores | 64 | $82.5M | $1.3M | 2.2% |
| 624410 | Child Day Care Services | 48 | $45.8M | $955K | 1.6% |
| 722515 | Snack and Nonalcoholic Beverage Bars | 40 | $50.2M | $1.3M | 1.4% |
Geographic Distribution
SBA lending activity for Centerstone SBA Lending, Inc. by state
| State | Loans | Volume | Share |
|---|---|---|---|
| California (CA) | 608 | $775.1M | 20.8% |
| Illinois (IL) | 352 | $364.6M | 12.1% |
| Texas (TX) | 184 | $342.3M | 6.3% |
| North Carolina (NC) | 120 | $240.5M | 4.1% |
| Colorado (CO) | 112 | $201.5M | 3.8% |
| Virginia (VA) | 88 | $179.4M | 3.0% |
| New York (NY) | 88 | $169.7M | 3.0% |
| Georgia (GA) | 144 | $162.6M | 4.9% |
| Pennsylvania (PA) | 80 | $155.5M | 2.7% |
| Florida (FL) | 120 | $148.0M | 4.1% |
| Ohio (OH) | 72 | $131.7M | 2.5% |
| Indiana (IN) | 80 | $131.4M | 2.7% |
| Minnesota (MN) | 56 | $123.1M | 1.9% |
| Wisconsin (WI) | 56 | $117.1M | 1.9% |
| Tennessee (TN) | 56 | $95.8M | 1.9% |
| New Jersey (NJ) | 56 | $91.4M | 1.9% |
| South Carolina (SC) | 40 | $81.9M | 1.4% |
| New Mexico (NM) | 24 | $79.9M | 0.8% |
| Alabama (AL) | 32 | $77.6M | 1.1% |
| Michigan (MI) | 64 | $66.8M | 2.2% |
| Maryland (MD) | 56 | $57.2M | 1.9% |
| Utah (UT) | 24 | $44.8M | 0.8% |
| Kentucky (KY) | 24 | $43.5M | 0.8% |
| Arizona (AZ) | 48 | $41.3M | 1.6% |
| Delaware (DE) | 16 | $35.3M | 0.5% |
| Washington (WA) | 48 | $34.7M | 1.6% |
| Nevada (NV) | 56 | $33.3M | 1.9% |
| Oklahoma (OK) | 16 | $28.9M | 0.5% |
| Louisiana (LA) | 32 | $28.5M | 1.1% |
| Connecticut (CT) | 40 | $24.6M | 1.4% |
| Massachusetts (MA) | 8 | $22.4M | 0.3% |
| Missouri (MO) | 24 | $20.4M | 0.8% |
| Mississippi (MS) | 16 | $18.5M | 0.5% |
| Montana (MT) | 16 | $17.7M | 0.5% |
| North Dakota (ND) | 8 | $17.3M | 0.3% |
| Arkansas (AR) | 16 | $14.7M | 0.5% |
| Idaho (ID) | 8 | $9.6M | 0.3% |
| Oregon (OR) | 16 | $8.0M | 0.5% |
| Kansas (KS) | 8 | $4.5M | 0.3% |
| District of Columbia (DC) | 8 | $4.0M | 0.3% |
Why Choose Centerstone SBA Lending, Inc.?
Based on SBA 7(a) lending track record from 2020-2025
- ✓Proven Track Record: 2,920 SBA loans approved, totaling $4.25B in financing
- ✓Industry Expertise: Specialized focus on Hotels (except Casino Hotels) and Motels, Full-Service Restaurants, Limited-Service Restaurants
- ✓Competitive Terms: Average interest rate of 8.38% with flexible term lengths averaging 211 months
- ✓Loan Range: Loan sizes from $115K to $5.0M, with an average of $1.5M
- ✓Nationwide Reach: Active lending in 40 states, with strong presence in CA, IL, TX
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 Centerstone SBA Lending, Inc. SBA lending
What types of businesses does Centerstone SBA Lending, Inc. typically finance?
Centerstone SBA Lending, Inc. specializes in SBA 7(a) lending to specific industries including hotels (except casino hotels) and motels, full-service restaurants, limited-service restaurants, other. They have developed expertise in these sectors and understand the unique financial characteristics of each industry.
What are Centerstone SBA Lending, Inc.'s typical SBA loan terms?
Centerstone SBA Lending, Inc.'s SBA 7(a) loans typically feature an average interest rate of 8.38% and average term length of 211 months (approximately 18 years). Loan sizes range from $115K to $5.0M, with an average loan size of $1.5M.
Do I need a business valuation for a Centerstone SBA Lending, Inc. SBA loan?
Yes, Centerstone SBA Lending, Inc. 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 Centerstone SBA Lending, Inc. compare to other SBA lenders?
Centerstone SBA Lending, Inc. has originated 2,920 SBA loans totaling $4.25B 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 Centerstone SBA Lending, Inc. lend in?
Centerstone SBA Lending, Inc. provides SBA 7(a) financing with particularly strong presence in CA, IL, TX, GA, FL. 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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Professional valuations are often required for SBA loans over $250,000.
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