FFB Bank
SBA 7(a) Lending Profile · FY 2021 analysis
Industry Focus
Top industries served by FFB Bank
| NAICS | Industry | Loans | Volume | Avg Loan | Share |
|---|---|---|---|---|---|
| 621111 | Offices of Physicians (except Mental Health Specialists) | 88 | $51.1M | $581K | 4.4% |
| 722511 | Full-Service Restaurants | 72 | $105.2M | $1.5M | 3.6% |
| 811111 | General Automotive Repair | 56 | $38.5M | $688K | 2.8% |
| 524210 | Insurance Agencies and Brokerages | 48 | $57.8M | $1.2M | 2.4% |
| 561311 | Employment Placement Agencies | 48 | $55.1M | $1.1M | 2.4% |
| 722513 | Limited-Service Restaurants | 40 | $34.0M | $850K | 2.0% |
| 238990 | All Other Specialty Trade Contractors | 40 | $42.8M | $1.1M | 2.0% |
| 541511 | Custom Computer Programming Services | 40 | $64.1M | $1.6M | 2.0% |
| 442110 | Furniture Stores | 40 | $43.8M | $1.1M | 2.0% |
| 621340 | Offices of Physical, Occupational and Speech Therapists, and Audiologi | 32 | $7.3M | $228K | 1.6% |
Geographic Distribution
SBA lending activity for FFB Bank by state
| State | Loans | Volume | Share |
|---|---|---|---|
| California (CA) | 1,624 | $1.58B | 80.6% |
| Texas (TX) | 136 | $168.9M | 6.7% |
| Oregon (OR) | 64 | $135.1M | 3.2% |
| Washington (WA) | 32 | $69.8M | 1.6% |
| North Carolina (NC) | 32 | $64.0M | 1.6% |
| Arizona (AZ) | 48 | $44.6M | 2.4% |
| Utah (UT) | 8 | $37.0M | 0.4% |
| Florida (FL) | 32 | $31.1M | 1.6% |
| Wyoming (WY) | 16 | $15.7M | 0.8% |
| Colorado (CO) | 16 | $7.7M | 0.8% |
| Georgia (GA) | 8 | $3.2M | 0.4% |
Why Choose FFB Bank?
Based on SBA 7(a) lending track record from 2020-2025
- ✓Proven Track Record: 2,016 SBA loans approved, totaling $2.16B in financing
- ✓Industry Expertise: Specialized focus on Offices of Physicians (except Mental Health Specialists), Full-Service Restaurants, General Automotive Repair
- ✓Competitive Terms: Average interest rate of 9.15% with flexible term lengths averaging 145 months
- ✓Loan Range: Loan sizes from $50K to $5.0M, with an average of $1.1M
- ✓Nationwide Reach: Active lending in 11 states, with strong presence in CA, TX, OR
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 FFB Bank SBA lending
What types of businesses does FFB Bank typically finance?
FFB Bank specializes in SBA 7(a) lending to specific industries including offices of physicians (except mental health specialists), full-service restaurants, general automotive repair, insurance agencies and brokerages. They have developed expertise in these sectors and understand the unique financial characteristics of each industry.
What are FFB Bank's typical SBA loan terms?
FFB Bank's SBA 7(a) loans typically feature an average interest rate of 9.15% and average term length of 145 months (approximately 12 years). Loan sizes range from $50K to $5.0M, with an average loan size of $1.1M.
Do I need a business valuation for a FFB Bank SBA loan?
Yes, FFB 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 FFB Bank compare to other SBA lenders?
FFB Bank has originated 2,016 SBA loans totaling $2.16B 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 FFB Bank lend in?
FFB Bank provides SBA 7(a) financing with particularly strong presence in CA, TX, OR, AZ, WA. 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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