Frost Bank
SBA 7(a) Lending Profile · All Time analysis
Industry Focus
Top industries served by Frost Bank
| NAICS | Industry | Loans | Volume | Avg Loan | Share |
|---|---|---|---|---|---|
| 713940 | Fitness and Recreational Sports Centers | 232 | $132.6M | $572K | 5.3% |
| 722511 | Full-Service Restaurants | 208 | $150.1M | $722K | 4.7% |
| 722513 | Limited-Service Restaurants | 200 | $119.7M | $599K | 4.5% |
| 722515 | Snack and Nonalcoholic Beverage Bars | 160 | $79.0M | $494K | 3.6% |
| 621111 | Offices of Physicians (except Mental Health Specialists) | 136 | $69.6M | $512K | 3.1% |
| 624410 | Child Day Care Services | 128 | $133.8M | $1.0M | 2.9% |
| 541110 | Offices of Lawyers | 88 | $57.6M | $654K | 2.0% |
| 812112 | Beauty Salons | 72 | $18.9M | $262K | 1.6% |
| 621340 | Offices of Physical, Occupational and Speech Therapists, and Audiologi | 64 | $18.6M | $291K | 1.5% |
| 541330 | Engineering Services | 64 | $56.4M | $881K | 1.5% |
Geographic Distribution
SBA lending activity for Frost Bank by state
| State | Loans | Volume | Share |
|---|---|---|---|
| Texas (TX) | 4,328 | $2.76B | 98.4% |
| Louisiana (LA) | 8 | $23.3M | 0.2% |
| Colorado (CO) | 16 | $13.9M | 0.4% |
| Oklahoma (OK) | 32 | $8.4M | 0.7% |
| North Carolina (NC) | 8 | $2.6M | 0.2% |
| Missouri (MO) | 8 | $480K | 0.2% |
Why Choose Frost Bank?
Based on SBA 7(a) lending track record from 2020-2025
- ✓Proven Track Record: 4,400 SBA loans approved, totaling $2.81B in financing
- ✓Industry Expertise: Specialized focus on Fitness and Recreational Sports Centers, Full-Service Restaurants, Limited-Service Restaurants
- ✓Competitive Terms: Average interest rate of 7.37% with flexible term lengths averaging 148 months
- ✓Loan Range: Loan sizes from $25K to $5.0M, with an average of $639K
- ✓Nationwide Reach: Active lending in 6 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 fitness and recreational sports centers, full-service restaurants, limited-service restaurants, snack and nonalcoholic beverage bars. 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 7.37% and average term length of 148 months (approximately 12 years). Loan sizes range from $25K to $5.0M, with an average loan size of $639K.
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 4,400 SBA loans totaling $2.81B 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 Frost Bank lend in?
Frost Bank provides SBA 7(a) financing with particularly strong presence in TX, OK, CO, MO, NC. 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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