Five Star Bank
SBA 7(a) Lending Profile · All Time analysis
Industry Focus
Top industries served by Five Star Bank · All Time
| NAICS | Industry | Loans | Volume | Avg Loan | Share |
|---|---|---|---|---|---|
| 484110 | General Freight Trucking, Local | 122 | $7.8M | $64K | 2.2% |
| 811111 | General Automotive Repair | 118 | $12.8M | $108K | 2.1% |
| 561730 | Landscaping Services | 115 | $9.6M | $83K | 2.1% |
| 236118 | Residential Remodelers | 103 | $9.6M | $93K | 1.9% |
| 541990 | All Other Professional, Scientific, and Technical Services | 82 | $18.8M | $230K | 1.5% |
| 812112 | Beauty Salons | 79 | $13.6M | $172K | 1.4% |
| 722513 | Limited-Service Restaurants | 77 | $17.2M | $223K | 1.4% |
| 713940 | Fitness and Recreational Sports Centers | 76 | $25.5M | $335K | 1.4% |
| 541511 | Custom Computer Programming Services | 66 | $18.4M | $279K | 1.2% |
| 722511 | Full-Service Restaurants | 65 | $9.8M | $150K | 1.2% |
Geographic Distribution
SBA lending activity for Five Star Bank by state
| State | Loans | Volume | Share |
|---|---|---|---|
| New York (NY) | 3,564 | $394.0M | 64.7% |
| California (CA) | 645 | $194.2M | 11.7% |
| Texas (TX) | 168 | $44.6M | 3.1% |
| Florida (FL) | 159 | $41.5M | 2.9% |
| Pennsylvania (PA) | 65 | $22.5M | 1.2% |
| New Jersey (NJ) | 58 | $20.0M | 1.1% |
| Colorado (CO) | 67 | $19.4M | 1.2% |
| Illinois (IL) | 64 | $17.0M | 1.2% |
| Georgia (GA) | 57 | $14.6M | 1.0% |
| Washington (WA) | 52 | $13.9M | 0.9% |
| Virginia (VA) | 54 | $13.5M | 1.0% |
| Ohio (OH) | 36 | $11.4M | 0.7% |
| Arizona (AZ) | 45 | $11.3M | 0.8% |
| North Carolina (NC) | 41 | $11.0M | 0.7% |
| Massachusetts (MA) | 37 | $9.4M | 0.7% |
| Nevada (NV) | 25 | $7.5M | 0.5% |
| Tennessee (TN) | 18 | $7.5M | 0.3% |
| Michigan (MI) | 28 | $7.4M | 0.5% |
| Minnesota (MN) | 23 | $6.2M | 0.4% |
| Indiana (IN) | 25 | $5.8M | 0.5% |
| South Carolina (SC) | 18 | $5.6M | 0.3% |
| Oregon (OR) | 25 | $5.5M | 0.5% |
| Maryland (MD) | 20 | $4.8M | 0.4% |
| Utah (UT) | 19 | $4.2M | 0.3% |
| Connecticut (CT) | 14 | $3.8M | 0.3% |
| Missouri (MO) | 15 | $3.6M | 0.3% |
| Mississippi (MS) | 8 | $3.5M | 0.1% |
| Kentucky (KY) | 14 | $3.4M | 0.3% |
| Oklahoma (OK) | 10 | $3.0M | 0.2% |
| Hawaii (HI) | 14 | $2.8M | 0.3% |
| Wisconsin (WI) | 14 | $2.6M | 0.3% |
| New Hampshire (NH) | 11 | $2.3M | 0.2% |
| Louisiana (LA) | 10 | $2.1M | 0.2% |
| New Mexico (NM) | 8 | $2.0M | 0.1% |
| District of Columbia (DC) | 8 | $2.0M | 0.1% |
| Nebraska (NE) | 6 | $1.8M | 0.1% |
| Idaho (ID) | 5 | $1.6M | 0.1% |
| Alabama (AL) | 9 | $1.5M | 0.2% |
| Delaware (DE) | 6 | $1.5M | 0.1% |
| Iowa (IA) | 7 | $1.4M | 0.1% |
| Arkansas (AR) | 6 | $1.1M | 0.1% |
| Montana (MT) | 5 | $1.0M | 0.1% |
| Kansas (KS) | 4 | $990K | 0.1% |
| Alaska (AK) | 3 | $925K | 0.1% |
| West Virginia (WV) | 3 | $785K | 0.1% |
| South Dakota (SD) | 2 | $622K | 0.0% |
| Maine (ME) | 3 | $600K | 0.1% |
| Rhode Island (RI) | 2 | $500K | 0.0% |
| Vermont (VT) | 2 | $475K | 0.0% |
| Wyoming (WY) | 2 | $350K | 0.0% |
| North Dakota (ND) | 1 | $350K | 0.0% |
Why Choose Five Star Bank?
Based on SBA 7(a) lending track record from 1991-2025
- ✓Proven Track Record: 5,505 SBA loans approved, totaling $939.4M in financing
- ✓Industry Expertise: Specialized focus on General Freight Trucking, Local, General Automotive Repair, Landscaping Services
- ✓Competitive Terms: Average interest rate of 6.81% with flexible term lengths averaging 103 months
- ✓Loan Range: Loan sizes from $100 to $3.9M, with an average of $171K
- ✓Nationwide Reach: Active lending in 51 states, with strong presence in NY, CA, 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 Five Star Bank SBA lending
What types of businesses does Five Star Bank typically finance?
Five Star Bank specializes in SBA 7(a) lending to specific industries including general freight trucking, local, general automotive repair, landscaping services, residential remodelers. They have developed expertise in these sectors and understand the unique financial characteristics of each industry.
What are Five Star Bank's typical SBA loan terms?
Five Star Bank's SBA 7(a) loans typically feature an average interest rate of 6.81% and average term length of 103 months (approximately 9 years). Loan sizes range from $100 to $3.9M, with an average loan size of $171K.
Do I need a business valuation for a Five Star Bank SBA loan?
Yes, Five Star 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 Five Star Bank compare to other SBA lenders?
Five Star Bank has originated 5,505 SBA loans totaling $939.4M 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 Five Star Bank lend in?
Five Star Bank provides SBA 7(a) financing with particularly strong presence in NY, CA, TX, FL, CO. 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.
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