Fulton Bank, National Association
SBA 7(a) Lending Profile · FY 2026 analysis
Industry Focus
Top industries served by Fulton Bank, National Association
| NAICS | Industry | Loans | Volume | Avg Loan | Share |
|---|---|---|---|---|---|
| 722511 | Full-Service Restaurants | 496 | $490.9M | $990K | 8.4% |
| 722513 | Limited-Service Restaurants | 320 | $184.0M | $575K | 5.4% |
| 445310 | Beer, Wine, and Liquor Stores | 272 | $335.8M | $1.2M | 4.6% |
| 445320 | Other | 224 | $332.0M | $1.5M | 3.8% |
| 722515 | Snack and Nonalcoholic Beverage Bars | 136 | $43.5M | $320K | 2.3% |
| 236118 | Residential Remodelers | 128 | $46.9M | $366K | 2.2% |
| 238210 | Electrical Contractors | 128 | $125.1M | $977K | 2.2% |
| 721110 | Hotels (except Casino Hotels) and Motels | 112 | $330.9M | $3.0M | 1.9% |
| 484110 | General Freight Trucking, Local | 96 | $76.8M | $800K | 1.6% |
| 713940 | Fitness and Recreational Sports Centers | 88 | $85.4M | $971K | 1.5% |
Geographic Distribution
SBA lending activity for Fulton Bank, National Association by state
| State | Loans | Volume | Share |
|---|---|---|---|
| New Jersey (NJ) | 2,256 | $1.92B | 38.4% |
| Pennsylvania (PA) | 1,720 | $1.42B | 29.3% |
| Maryland (MD) | 920 | $695.8M | 15.6% |
| Virginia (VA) | 608 | $376.5M | 10.3% |
| Delaware (DE) | 216 | $213.8M | 3.7% |
| Florida (FL) | 8 | $40.0M | 0.1% |
| District of Columbia (DC) | 96 | $39.5M | 1.6% |
| New York (NY) | 32 | $23.1M | 0.5% |
| Texas (TX) | 8 | $3.7M | 0.1% |
| Illinois (IL) | 8 | $3.1M | 0.1% |
| North Carolina (NC) | 8 | $400K | 0.1% |
Why Choose Fulton Bank, National Association?
Based on SBA 7(a) lending track record from 2020-2025
- ✓Proven Track Record: 5,880 SBA loans approved, totaling $4.73B in financing
- ✓Industry Expertise: Specialized focus on Full-Service Restaurants, Limited-Service Restaurants, Beer, Wine, and Liquor Stores
- ✓Competitive Terms: Average interest rate of 8.45% with flexible term lengths averaging 158 months
- ✓Loan Range: Loan sizes from $5K to $5.0M, with an average of $805K
- ✓Nationwide Reach: Active lending in 11 states, with strong presence in NJ, PA, MD
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 Fulton Bank, National Association SBA lending
What types of businesses does Fulton Bank, National Association typically finance?
Fulton Bank, National Association specializes in SBA 7(a) lending to specific industries including full-service restaurants, limited-service restaurants, beer, wine, and liquor stores, other. They have developed expertise in these sectors and understand the unique financial characteristics of each industry.
What are Fulton Bank, National Association's typical SBA loan terms?
Fulton Bank, National Association's SBA 7(a) loans typically feature an average interest rate of 8.45% and average term length of 158 months (approximately 13 years). Loan sizes range from $5K to $5.0M, with an average loan size of $805K.
Do I need a business valuation for a Fulton Bank, National Association SBA loan?
Yes, Fulton Bank, National Association 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 Fulton Bank, National Association compare to other SBA lenders?
Fulton Bank, National Association has originated 5,880 SBA loans totaling $4.73B 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 Fulton Bank, National Association lend in?
Fulton Bank, National Association provides SBA 7(a) financing with particularly strong presence in NJ, PA, MD, VA, DE. 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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Explore Industry Reports →Need a Business Valuation?
Professional valuations are often required for SBA loans over $250,000.
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