FNB South
SBA 7(a) Lending Profile · FY 2022 analysis
Industry Focus
Top industries served by FNB South
| NAICS | Industry | Loans | Volume | Avg Loan | Share |
|---|---|---|---|---|---|
| 484121 | General Freight Trucking, Long Distance, Truckload | 8 | $1.0M | $130K | 50.0% |
| 621340 | Offices of Physical, Occupational and Speech Therapists, and Audiologi | 8 | $8.3M | $1.0M | 50.0% |
Geographic Distribution
SBA lending activity for FNB South by state
| State | Loans | Volume | Share |
|---|---|---|---|
| Georgia (GA) | 16 | $9.3M | 100.0% |
Why Choose FNB South?
Based on SBA 7(a) lending track record from 2020-2025
- ✓Proven Track Record: 16 SBA loans approved, totaling $9.3M in financing
- ✓Industry Expertise: Specialized focus on General Freight Trucking, Long Distance, Truckload, Offices of Physical, Occupational and Speech Therapists, and Audiologi
- ✓Competitive Terms: Average interest rate of 6.25% with flexible term lengths averaging 192 months
- ✓Loan Range: Loan sizes from $130K to $1.0M, with an average of $583K
- ✓Nationwide Reach: Active lending in 1 states, with strong presence in 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 FNB South SBA lending
What types of businesses does FNB South typically finance?
FNB South specializes in SBA 7(a) lending to specific industries including general freight trucking, long distance, truckload, offices of physical, occupational and speech therapists, and audiologi. They have developed expertise in these sectors and understand the unique financial characteristics of each industry.
What are FNB South's typical SBA loan terms?
FNB South's SBA 7(a) loans typically feature an average interest rate of 6.25% and average term length of 192 months (approximately 16 years). Loan sizes range from $130K to $1.0M, with an average loan size of $583K.
Do I need a business valuation for a FNB South SBA loan?
Yes, FNB South 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 FNB South compare to other SBA lenders?
FNB South has originated 16 SBA loans totaling $9.3M 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 FNB South lend in?
FNB South provides SBA 7(a) financing with particularly strong presence in GA. 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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