GBC International Bank
SBA 7(a) Lending Profile · All Time analysis
Industry Focus
Top industries served by GBC International Bank
| NAICS | Industry | Loans | Volume | Avg Loan | Share |
|---|---|---|---|---|---|
| 722511 | Full-Service Restaurants | 464 | $283.3M | $611K | 18.8% |
| 722513 | Limited-Service Restaurants | 264 | $160.8M | $609K | 10.7% |
| 423110 | Automobile and Other Motor Vehicle Merchant Wholesalers | 184 | $369.9M | $2.0M | 7.4% |
| 424470 | Meat and Meat Product Merchant Wholesalers | 80 | $140.4M | $1.8M | 3.2% |
| 423860 | Transportation Equipment and Supplies (except Motor Vehicle) Merchant | 56 | $40.8M | $729K | 2.3% |
| 334516 | Analytical Laboratory Instrument Manufacturing | 56 | $109.6M | $2.0M | 2.3% |
| 423990 | Other Miscellaneous Durable Goods Merchant Wholesalers | 56 | $134.9M | $2.4M | 2.3% |
| 445120 | Convenience Stores | 48 | $26.9M | $561K | 1.9% |
| 424490 | Other Grocery and Related Products Merchant Wholesalers | 48 | $38.0M | $792K | 1.9% |
| 721110 | Hotels (except Casino Hotels) and Motels | 48 | $141.3M | $2.9M | 1.9% |
Geographic Distribution
SBA lending activity for GBC International Bank by state
| State | Loans | Volume | Share |
|---|---|---|---|
| California (CA) | 1,432 | $1.65B | 57.9% |
| Washington (WA) | 808 | $456.9M | 32.7% |
| South Dakota (SD) | 56 | $130.8M | 2.3% |
| Utah (UT) | 40 | $124.8M | 1.6% |
| Texas (TX) | 24 | $32.0M | 1.0% |
| Tennessee (TN) | 32 | $26.8M | 1.3% |
| Pennsylvania (PA) | 16 | $14.8M | 0.6% |
| Missouri (MO) | 8 | $8.0M | 0.3% |
| Rhode Island (RI) | 8 | $8.0M | 0.3% |
| Montana (MT) | 8 | $5.6M | 0.3% |
| Arizona (AZ) | 8 | $3.7M | 0.3% |
| Nevada (NV) | 8 | $2.8M | 0.3% |
| Hawaii (HI) | 8 | $2.8M | 0.3% |
| North Carolina (NC) | 8 | $2.8M | 0.3% |
| Georgia (GA) | 8 | $2.8M | 0.3% |
Why Choose GBC International Bank?
Based on SBA 7(a) lending track record from 2020-2025
- ✓Proven Track Record: 2,472 SBA loans approved, totaling $2.47B in financing
- ✓Industry Expertise: Specialized focus on Full-Service Restaurants, Limited-Service Restaurants, Automobile and Other Motor Vehicle Merchant Wholesalers
- ✓Competitive Terms: Average interest rate of 6.98% with flexible term lengths averaging 147 months
- ✓Loan Range: Loan sizes from $90K to $5.0M, with an average of $999K
- ✓Nationwide Reach: Active lending in 15 states, with strong presence in CA, WA, SD
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 GBC International Bank SBA lending
What types of businesses does GBC International Bank typically finance?
GBC International Bank specializes in SBA 7(a) lending to specific industries including full-service restaurants, limited-service restaurants, automobile and other motor vehicle merchant wholesalers, meat and meat product merchant wholesalers. They have developed expertise in these sectors and understand the unique financial characteristics of each industry.
What are GBC International Bank's typical SBA loan terms?
GBC International Bank's SBA 7(a) loans typically feature an average interest rate of 6.98% and average term length of 147 months (approximately 12 years). Loan sizes range from $90K to $5.0M, with an average loan size of $999K.
Do I need a business valuation for a GBC International Bank SBA loan?
Yes, GBC International 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 GBC International Bank compare to other SBA lenders?
GBC International Bank has originated 2,472 SBA loans totaling $2.47B 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 GBC International Bank lend in?
GBC International Bank provides SBA 7(a) financing with particularly strong presence in CA, WA, SD, UT, TN. 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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