Frost Bank
SBA 7(a) Lending Profile · All Time analysis
Industry Focus
Top industries served by Frost Bank · All Time
| NAICS | Industry | Loans | Volume | Avg Loan | Share |
|---|---|---|---|---|---|
| 722511 | Full-Service Restaurants | 61 | $32.9M | $539K | 1.9% |
| 812112 | Beauty Salons | 60 | $12.3M | $205K | 1.9% |
| 713940 | Fitness and Recreational Sports Centers | 56 | $24.4M | $437K | 1.8% |
| 621111 | Offices of Physicians (except Mental Health Specialists) | 56 | $16.3M | $291K | 1.8% |
| 621210 | Offices of Dentists | 47 | $15.8M | $335K | 1.5% |
| 722513 | Limited-Service Restaurants | 45 | $23.9M | $531K | 1.4% |
| 624410 | Child Care Services | 43 | $26.9M | $626K | 1.4% |
| 811111 | General Automotive Repair | 42 | $16.3M | $388K | 1.3% |
| 541330 | Engineering Services | 37 | $12.5M | $338K | 1.2% |
| 541110 | Offices of Lawyers | 35 | $13.7M | $392K | 1.1% |
Geographic Distribution
SBA lending activity for Frost Bank by state
| State | Loans | Volume | Share |
|---|---|---|---|
| Texas (TX) | 3,153 | $941.8M | 99.6% |
| Louisiana (LA) | 1 | $2.9M | 0.0% |
| Colorado (CO) | 3 | $2.3M | 0.1% |
| New Mexico (NM) | 2 | $1.8M | 0.1% |
| Oklahoma (OK) | 5 | $1.2M | 0.2% |
| North Carolina (NC) | 1 | $320K | 0.0% |
| Missouri (MO) | 1 | $60K | 0.0% |
| Connecticut (CT) | 1 | $45K | 0.0% |
Why Choose Frost Bank?
Based on SBA 7(a) lending track record from 1991-2025
- ✓Proven Track Record: 3,167 SBA loans approved, totaling $950.4M in financing
- ✓Industry Expertise: Specialized focus on Full-Service Restaurants, Beauty Salons, Fitness and Recreational Sports Centers
- ✓Competitive Terms: Average interest rate of 6.64% with flexible term lengths averaging 103 months
- ✓Loan Range: Loan sizes from $6K to $5.0M, with an average of $300K
- ✓Nationwide Reach: Active lending in 8 states, with strong presence in TX, OK, CO
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 Frost Bank SBA lending
What types of businesses does Frost Bank typically finance?
Frost Bank specializes in SBA 7(a) lending to specific industries including full-service restaurants, beauty salons, fitness and recreational sports centers, offices of physicians (except mental health specialists). They have developed expertise in these sectors and understand the unique financial characteristics of each industry.
What are Frost Bank's typical SBA loan terms?
Frost Bank's SBA 7(a) loans typically feature an average interest rate of 6.64% and average term length of 103 months (approximately 9 years). Loan sizes range from $6K to $5.0M, with an average loan size of $300K.
Do I need a business valuation for a Frost Bank SBA loan?
Yes, Frost 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 Frost Bank compare to other SBA lenders?
Frost Bank has originated 3,167 SBA loans totaling $950.4M 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 Frost Bank lend in?
Frost Bank provides SBA 7(a) financing with particularly strong presence in TX, OK, CO, NM, MO. 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.
Get your certified valuation from Fair Market Value.