First Capital Bank
SBA 7(a) Lending Profile · FY 2026 analysis
Industry Focus
Top industries served by First Capital Bank
| NAICS | Industry | Loans | Volume | Avg Loan | Share |
|---|---|---|---|---|---|
| 451130 | Sewing, Needlework, and Piece Goods Stores | 8 | $1.2M | $150K | 12.5% |
| 524210 | Insurance Agencies and Brokerages | 8 | $4.2M | $526K | 12.5% |
| 238990 | All Other Specialty Trade Contractors | 8 | $8.0M | $1.0M | 12.5% |
| 424910 | Farm Supplies Merchant Wholesalers | 8 | $9.3M | $1.2M | 12.5% |
| 445131 | Other | 8 | $9.0M | $1.1M | 12.5% |
| 441310 | Automotive Parts and Accessories Stores | 8 | $789K | $99K | 12.5% |
| 721211 | RV (Recreational Vehicle) Parks and Campgrounds | 8 | $1.5M | $182K | 12.5% |
| 424720 | Petroleum and Petroleum Products Merchant Wholesalers (except Bulk Sta | 8 | $2.5M | $317K | 12.5% |
Geographic Distribution
SBA lending activity for First Capital Bank by state
| State | Loans | Volume | Share |
|---|---|---|---|
| Texas (TX) | 64 | $36.5M | 100.0% |
Why Choose First Capital Bank?
Based on SBA 7(a) lending track record from 2020-2025
- ✓Proven Track Record: 64 SBA loans approved, totaling $36.5M in financing
- ✓Industry Expertise: Specialized focus on Sewing, Needlework, and Piece Goods Stores, Insurance Agencies and Brokerages, All Other Specialty Trade Contractors
- ✓Competitive Terms: Average interest rate of 6.47% with flexible term lengths averaging 217 months
- ✓Loan Range: Loan sizes from $99K to $1.2M, with an average of $571K
- ✓Nationwide Reach: Active lending in 1 states, with strong presence in 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 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 sewing, needlework, and piece goods stores, insurance agencies and brokerages, all other specialty trade contractors, farm supplies merchant wholesalers. 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 6.47% and average term length of 217 months (approximately 18 years). Loan sizes range from $99K to $1.2M, with an average loan size of $571K.
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 64 SBA loans totaling $36.5M 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 First Capital Bank lend in?
First Capital Bank provides SBA 7(a) financing with particularly strong presence in TX. 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.
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Professional valuations are often required for SBA loans over $250,000.
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