First Liberty Bank
SBA 7(a) Lending Profile · All Time analysis
Industry Focus
Top industries served by First Liberty Bank · All Time
| NAICS | Industry | Loans | Volume | Avg Loan | Share |
|---|---|---|---|---|---|
| 423940 | Jewelry, Watch, Precious Stone, and Precious Metal Merchant Wholesalers | 3 | $478K | $159K | 5.2% |
| 713940 | Fitness and Recreational Sports Centers | 2 | $4.3M | $2.2M | 3.4% |
| 812112 | Beauty Salons | 2 | $254K | $127K | 3.4% |
| 541990 | All Other Professional, Scientific, and Technical Services | 2 | $4.3M | $2.1M | 3.4% |
| 721211 | RV (Recreational Vehicle) Parks and Campgrounds | 1 | $314K | $314K | 1.7% |
| 332812 | Metal Coating, Engraving (except Jewelry and Silverware), and Allied Services to Manufacturers | 1 | $285K | $285K | 1.7% |
| 332912 | Fluid Power Valve and Hose Fitting Manufacturing | 1 | $285K | $285K | 1.7% |
| 624410 | Child Care Services | 1 | $50K | $50K | 1.7% |
| 621391 | Offices of Podiatrists | 1 | $93K | $93K | 1.7% |
| 811192 | Car Washes | 1 | $400K | $400K | 1.7% |
Geographic Distribution
SBA lending activity for First Liberty Bank by state
| State | Loans | Volume | Share |
|---|---|---|---|
| Texas (TX) | 57 | $18.0M | 98.3% |
| Arkansas (AR) | 1 | $2.0M | 1.7% |
Why Choose First Liberty Bank?
Based on SBA 7(a) lending track record from 1992-2025
- ✓Proven Track Record: 58 SBA loans approved, totaling $20.0M in financing
- ✓Industry Expertise: Specialized focus on Jewelry, Watch, Precious Stone, and Precious Metal Merchant Wholesalers, Fitness and Recreational Sports Centers, Beauty Salons
- ✓Competitive Terms: Average interest rate of 8.01% with flexible term lengths averaging 114 months
- ✓Loan Range: Loan sizes from $15K to $4.2M, with an average of $345K
- ✓Nationwide Reach: Active lending in 2 states, with strong presence in TX, AR
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 Liberty Bank SBA lending
What types of businesses does First Liberty Bank typically finance?
First Liberty Bank specializes in SBA 7(a) lending to specific industries including jewelry, watch, precious stone, and precious metal merchant wholesalers, fitness and recreational sports centers, beauty salons, all other professional, scientific, and technical services. They have developed expertise in these sectors and understand the unique financial characteristics of each industry.
What are First Liberty Bank's typical SBA loan terms?
First Liberty Bank's SBA 7(a) loans typically feature an average interest rate of 8.01% and average term length of 114 months (approximately 10 years). Loan sizes range from $15K to $4.2M, with an average loan size of $345K.
Do I need a business valuation for a First Liberty Bank SBA loan?
Yes, First Liberty 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 Liberty Bank compare to other SBA lenders?
First Liberty Bank has originated 58 SBA loans totaling $20.0M since 1992. 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 Liberty Bank lend in?
First Liberty Bank provides SBA 7(a) financing with particularly strong presence in TX, AR. 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.
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