First Capital Bank
SBA 7(a) Lending Profile · All Time analysis
Industry Focus
Top industries served by First Capital Bank · All Time
| NAICS | Industry | Loans | Volume | Avg Loan | Share |
|---|---|---|---|---|---|
| 812112 | Beauty Salons | 3 | $549K | $183K | 7.0% |
| 238990 | All Other Specialty Trade Contractors | 2 | $1.3M | $626K | 4.7% |
| 811121 | Automotive Body, Paint, and Interior Repair and Maintenance | 2 | $37K | $18K | 4.7% |
| 115113 | Crop Harvesting, Primarily by Machine | 1 | $400K | $400K | 2.3% |
| 812310 | Coin-Operated Laundries and Drycleaners | 1 | $86K | $86K | 2.3% |
| 541211 | Offices of Certified Public Accountants | 1 | $60K | $60K | 2.3% |
| 811310 | Commercial and Industrial Machinery and Equipment (except Automotive and Electronic) Repair and Maintenance | 1 | $60K | $60K | 2.3% |
| 712110 | Museums | 1 | $27K | $27K | 2.3% |
| 721211 | RV (Recreational Vehicle) Parks and Campgrounds | 1 | $182K | $182K | 2.3% |
| 326212 | Tire Retreading | 1 | $530K | $530K | 2.3% |
Geographic Distribution
SBA lending activity for First Capital Bank by state
| State | Loans | Volume | Share |
|---|---|---|---|
| Texas (TX) | 31 | $9.4M | 72.1% |
| Georgia (GA) | 3 | $1.1M | 7.0% |
| North Carolina (NC) | 1 | $513K | 2.3% |
| South Carolina (SC) | 5 | $502K | 11.6% |
| Virginia (VA) | 1 | $185K | 2.3% |
| Illinois (IL) | 1 | $95K | 2.3% |
| Oklahoma (OK) | 1 | $50K | 2.3% |
Why Choose First Capital Bank?
Based on SBA 7(a) lending track record from 1991-2025
- ✓Proven Track Record: 43 SBA loans approved, totaling $11.9M in financing
- ✓Industry Expertise: Specialized focus on Beauty Salons, All Other Specialty Trade Contractors, Automotive Body, Paint, and Interior Repair and Maintenance
- ✓Competitive Terms: Average interest rate of 6.07% with flexible term lengths averaging 147 months
- ✓Loan Range: Loan sizes from $9K to $1.5M, with an average of $276K
- ✓Nationwide Reach: Active lending in 7 states, with strong presence in TX, SC, GA
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 First Capital Bank SBA lending
What types of businesses does First Capital Bank typically finance?
First Capital Bank specializes in SBA 7(a) lending to specific industries including beauty salons, all other specialty trade contractors, automotive body, paint, and interior repair and maintenance, crop harvesting, primarily by machine. They have developed expertise in these sectors and understand the unique financial characteristics of each industry.
What are First Capital Bank's typical SBA loan terms?
First Capital Bank's SBA 7(a) loans typically feature an average interest rate of 6.07% and average term length of 147 months (approximately 12 years). Loan sizes range from $9K to $1.5M, with an average loan size of $276K.
Do I need a business valuation for a First Capital Bank SBA loan?
Yes, First Capital 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 First Capital Bank compare to other SBA lenders?
First Capital Bank has originated 43 SBA loans totaling $11.9M since 1991. 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 First Capital Bank lend in?
First Capital Bank provides SBA 7(a) financing with particularly strong presence in TX, SC, GA, OK, NC. 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?
Certified valuations are often required for SBA loans over $250,000.
Get your certified valuation from Fair Market Value.