FWBank
SBA 7(a) Lending Profile · FY 2022 analysis
Industry Focus
Top industries served by FWBank
| NAICS | Industry | Loans | Volume | Avg Loan | Share |
|---|---|---|---|---|---|
| 722511 | Full-Service Restaurants | 160 | $314.6M | $2.0M | 11.6% |
| 722513 | Limited-Service Restaurants | 152 | $112.0M | $737K | 11.0% |
| 713940 | Fitness and Recreational Sports Centers | 128 | $74.7M | $584K | 9.2% |
| 812199 | Other Personal Care Services | 112 | $76.0M | $679K | 8.1% |
| 722515 | Snack and Nonalcoholic Beverage Bars | 112 | $78.8M | $704K | 8.1% |
| 624410 | Child Day Care Services | 72 | $43.0M | $597K | 5.2% |
| 713990 | All Other Amusement and Recreation Industries | 56 | $190.2M | $3.4M | 4.0% |
| 812112 | Beauty Salons | 48 | $36.1M | $751K | 3.5% |
| 812910 | Pet Care (except Veterinary) Services | 32 | $36.1M | $1.1M | 2.3% |
| 611620 | Sports and Recreation Instruction | 32 | $69.7M | $2.2M | 2.3% |
Geographic Distribution
SBA lending activity for FWBank by state
| State | Loans | Volume | Share |
|---|---|---|---|
| Illinois (IL) | 328 | $468.8M | 23.7% |
| Texas (TX) | 152 | $197.2M | 11.0% |
| California (CA) | 104 | $146.8M | 7.5% |
| Florida (FL) | 104 | $99.9M | 7.5% |
| Indiana (IN) | 56 | $80.7M | 4.0% |
| Georgia (GA) | 64 | $78.0M | 4.6% |
| Arizona (AZ) | 88 | $58.0M | 6.4% |
| Tennessee (TN) | 72 | $55.9M | 5.2% |
| Washington (WA) | 32 | $54.3M | 2.3% |
| Pennsylvania (PA) | 32 | $44.8M | 2.3% |
| North Carolina (NC) | 56 | $43.1M | 4.0% |
| South Carolina (SC) | 16 | $36.5M | 1.2% |
| New Jersey (NJ) | 16 | $28.9M | 1.2% |
| Delaware (DE) | 16 | $27.2M | 1.2% |
| Nebraska (NE) | 8 | $20.2M | 0.6% |
| Colorado (CO) | 32 | $19.8M | 2.3% |
| Ohio (OH) | 16 | $18.6M | 1.2% |
| Iowa (IA) | 24 | $16.5M | 1.7% |
| Maryland (MD) | 16 | $13.3M | 1.2% |
| Michigan (MI) | 16 | $12.7M | 1.2% |
| Massachusetts (MA) | 16 | $11.8M | 1.2% |
| Oregon (OR) | 16 | $11.7M | 1.2% |
| Virginia (VA) | 8 | $11.2M | 0.6% |
| Utah (UT) | 8 | $10.5M | 0.6% |
| New York (NY) | 16 | $10.2M | 1.2% |
| Hawaii (HI) | 16 | $10.2M | 1.2% |
| Missouri (MO) | 16 | $8.6M | 1.2% |
| Minnesota (MN) | 8 | $8.3M | 0.6% |
| Alabama (AL) | 8 | $4.9M | 0.6% |
| Idaho (ID) | 8 | $4.6M | 0.6% |
| Wisconsin (WI) | 8 | $3.8M | 0.6% |
| Nevada (NV) | 8 | $3.3M | 0.6% |
Why Choose FWBank?
Based on SBA 7(a) lending track record from 2020-2025
- ✓Proven Track Record: 1,384 SBA loans approved, totaling $1.62B in financing
- ✓Industry Expertise: Specialized focus on Full-Service Restaurants, Limited-Service Restaurants, Fitness and Recreational Sports Centers
- ✓Competitive Terms: Average interest rate of 9.38% with flexible term lengths averaging 162 months
- ✓Loan Range: Loan sizes from $155K to $5.0M, with an average of $1.2M
- ✓Nationwide Reach: Active lending in 32 states, with strong presence in IL, TX, FL
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 FWBank SBA lending
What types of businesses does FWBank typically finance?
FWBank specializes in SBA 7(a) lending to specific industries including full-service restaurants, limited-service restaurants, fitness and recreational sports centers, other personal care services. They have developed expertise in these sectors and understand the unique financial characteristics of each industry.
What are FWBank's typical SBA loan terms?
FWBank's SBA 7(a) loans typically feature an average interest rate of 9.38% and average term length of 162 months (approximately 14 years). Loan sizes range from $155K to $5.0M, with an average loan size of $1.2M.
Do I need a business valuation for a FWBank SBA loan?
Yes, FWBank 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 FWBank compare to other SBA lenders?
FWBank has originated 1,384 SBA loans totaling $1.62B 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 FWBank lend in?
FWBank provides SBA 7(a) financing with particularly strong presence in IL, TX, FL, CA, AZ. 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.
Get your certified valuation from Fair Market Value.