Dream First Bank National Association
SBA 7(a) Lending Profile · FY 2021 analysis
Industry Focus
Top industries served by Dream First Bank National Association
| NAICS | Industry | Loans | Volume | Avg Loan | Share |
|---|---|---|---|---|---|
| 722513 | Limited-Service Restaurants | 64 | $70.8M | $1.1M | 9.8% |
| 484110 | General Freight Trucking, Local | 48 | $20.7M | $431K | 7.3% |
| 441330 | Other | 32 | $9.9M | $310K | 4.9% |
| 115112 | Soil Preparation, Planting, and Cultivating | 24 | $8.0M | $335K | 3.7% |
| 811111 | General Automotive Repair | 24 | $12.2M | $510K | 3.7% |
| 238220 | Plumbing, Heating, and Air-Conditioning Contractors | 24 | $32.0M | $1.3M | 3.7% |
| 441310 | Automotive Parts and Accessories Stores | 24 | $17.6M | $735K | 3.7% |
| 484121 | General Freight Trucking, Long Distance, Truckload | 24 | $8.5M | $352K | 3.7% |
| 812191 | Diet and Weight Reducing Centers | 24 | $5.7M | $236K | 3.7% |
| 221310 | Water Supply and Irrigation Systems | 16 | $8.0M | $500K | 2.4% |
Geographic Distribution
SBA lending activity for Dream First Bank National Association by state
| State | Loans | Volume | Share |
|---|---|---|---|
| Kansas (KS) | 552 | $324.3M | 84.1% |
| Indiana (IN) | 8 | $39.4M | 1.2% |
| Oklahoma (OK) | 24 | $22.6M | 3.7% |
| Colorado (CO) | 16 | $14.8M | 2.4% |
| Texas (TX) | 48 | $13.6M | 7.3% |
| North Carolina (NC) | 8 | $2.8M | 1.2% |
Why Choose Dream First Bank National Association?
Based on SBA 7(a) lending track record from 2020-2025
- ✓Proven Track Record: 656 SBA loans approved, totaling $417.4M in financing
- ✓Industry Expertise: Specialized focus on Limited-Service Restaurants, General Freight Trucking, Local, Other
- ✓Competitive Terms: Average interest rate of 7.03% with flexible term lengths averaging 153 months
- ✓Loan Range: Loan sizes from $15K to $4.9M, with an average of $636K
- ✓Nationwide Reach: Active lending in 6 states, with strong presence in KS, TX, OK
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 Dream First Bank National Association SBA lending
What types of businesses does Dream First Bank National Association typically finance?
Dream First Bank National Association specializes in SBA 7(a) lending to specific industries including limited-service restaurants, general freight trucking, local, other, soil preparation, planting, and cultivating. They have developed expertise in these sectors and understand the unique financial characteristics of each industry.
What are Dream First Bank National Association's typical SBA loan terms?
Dream First Bank National Association's SBA 7(a) loans typically feature an average interest rate of 7.03% and average term length of 153 months (approximately 13 years). Loan sizes range from $15K to $4.9M, with an average loan size of $636K.
Do I need a business valuation for a Dream First Bank National Association SBA loan?
Yes, Dream First Bank 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 Dream First Bank National Association compare to other SBA lenders?
Dream First Bank National Association has originated 656 SBA loans totaling $417.4M 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 Dream First Bank National Association lend in?
Dream First Bank National Association provides SBA 7(a) financing with particularly strong presence in KS, TX, OK, CO, IN. 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.