FMS Bank
SBA 7(a) Lending Profile · FY 2025 analysis
Industry Focus
Top industries served by FMS Bank
| NAICS | Industry | Loans | Volume | Avg Loan | Share |
|---|---|---|---|---|---|
| 213112 | Support Activities for Oil and Gas Operations | 48 | $70.4M | $1.5M | 13.6% |
| 722511 | Full-Service Restaurants | 24 | $18.2M | $759K | 6.8% |
| 541990 | All Other Professional, Scientific, and Technical Services | 16 | $9.9M | $622K | 4.5% |
| 811192 | Car Washes | 16 | $5.9M | $368K | 4.5% |
| 336413 | Other Aircraft Parts and Auxiliary Equipment Manufacturing | 16 | $6.2M | $390K | 4.5% |
| 541211 | Offices of Certified Public Accountants | 16 | $6.4M | $400K | 4.5% |
| 311612 | Meat Processed from Carcasses | 16 | $5.4M | $339K | 4.5% |
| 488490 | Other Support Activities for Road Transportation | 16 | $3.4M | $213K | 4.5% |
| 811111 | General Automotive Repair | 16 | $38.9M | $2.4M | 4.5% |
| 238290 | Other Building Equipment Contractors | 16 | $42.6M | $2.7M | 4.5% |
Geographic Distribution
SBA lending activity for FMS Bank by state
| State | Loans | Volume | Share |
|---|---|---|---|
| Colorado (CO) | 344 | $295.1M | 97.7% |
| Wyoming (WY) | 8 | $4.8M | 2.3% |
Why Choose FMS Bank?
Based on SBA 7(a) lending track record from 2020-2025
- ✓Proven Track Record: 352 SBA loans approved, totaling $299.9M in financing
- ✓Industry Expertise: Specialized focus on Support Activities for Oil and Gas Operations, Full-Service Restaurants, All Other Professional, Scientific, and Technical Services
- ✓Competitive Terms: Average interest rate of 7.32% with flexible term lengths averaging 142 months
- ✓Loan Range: Loan sizes from $65K to $5.0M, with an average of $852K
- ✓Nationwide Reach: Active lending in 2 states, with strong presence in CO, WY
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 FMS Bank SBA lending
What types of businesses does FMS Bank typically finance?
FMS Bank specializes in SBA 7(a) lending to specific industries including support activities for oil and gas operations, full-service restaurants, all other professional, scientific, and technical services, car washes. They have developed expertise in these sectors and understand the unique financial characteristics of each industry.
What are FMS Bank's typical SBA loan terms?
FMS Bank's SBA 7(a) loans typically feature an average interest rate of 7.32% and average term length of 142 months (approximately 12 years). Loan sizes range from $65K to $5.0M, with an average loan size of $852K.
Do I need a business valuation for a FMS Bank SBA loan?
Yes, FMS 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 FMS Bank compare to other SBA lenders?
FMS Bank has originated 352 SBA loans totaling $299.9M 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 FMS Bank lend in?
FMS Bank provides SBA 7(a) financing with particularly strong presence in CO, WY. 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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