Guaranty Bank
SBA 7(a) Lending Profile · FY 2020 analysis
Industry Focus
Top industries served by Guaranty Bank
| NAICS | Industry | Loans | Volume | Avg Loan | Share |
|---|---|---|---|---|---|
| 811111 | General Automotive Repair | 17 | $3.6M | $214K | 3.6% |
| 722513 | Limited-Service Restaurants | 17 | $7.2M | $426K | 3.6% |
| 722511 | Full-Service Restaurants | 13 | $3.2M | $243K | 2.8% |
| 811121 | Automotive Body, Paint, and Interior Repair and Maintenance | 10 | $3.4M | $344K | 2.1% |
| 541211 | Offices of Certified Public Accountants | 10 | $3.5M | $345K | 2.1% |
| 624410 | Child Care Services | 9 | $3.2M | $355K | 1.9% |
| 238990 | All Other Specialty Trade Contractors | 8 | $6.1M | $767K | 1.7% |
| 238220 | Plumbing, Heating, and Air-Conditioning Contractors | 8 | $3.4M | $423K | 1.7% |
| 524210 | Insurance Agencies and Brokerages | 7 | $812K | $116K | 1.5% |
| 561730 | Landscaping Services | 7 | $2.6M | $372K | 1.5% |
Geographic Distribution
SBA lending activity for Guaranty Bank by state
| State | Loans | Volume | Share |
|---|---|---|---|
| Missouri (MO) | 424 | $162.2M | 91.0% |
| Texas (TX) | 12 | $3.6M | 2.6% |
| Kansas (KS) | 8 | $3.1M | 1.7% |
| Arkansas (AR) | 6 | $3.0M | 1.3% |
| Oklahoma (OK) | 4 | $1.4M | 0.9% |
| Wisconsin (WI) | 5 | $638K | 1.1% |
| California (CA) | 2 | $630K | 0.4% |
| Michigan (MI) | 1 | $501K | 0.2% |
| Colorado (CO) | 1 | $450K | 0.2% |
| Tennessee (TN) | 1 | $135K | 0.2% |
| Minnesota (MN) | 1 | $90K | 0.2% |
| Massachusetts (MA) | 1 | $45K | 0.2% |
Why Choose Guaranty Bank?
Based on SBA 7(a) lending track record from 2020-2025
- ✓Proven Track Record: 466 SBA loans approved, totaling $175.8M in financing
- ✓Industry Expertise: Specialized focus on General Automotive Repair, Limited-Service Restaurants, Full-Service Restaurants
- ✓Competitive Terms: Average interest rate of 6.67% with flexible term lengths averaging 136 months
- ✓Loan Range: Loan sizes from $6K to $3.5M, with an average of $377K
- ✓Nationwide Reach: Active lending in 12 states, with strong presence in MO, TX, KS
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 Guaranty Bank SBA lending
What types of businesses does Guaranty Bank typically finance?
Guaranty Bank specializes in SBA 7(a) lending to specific industries including general automotive repair, limited-service restaurants, full-service restaurants, automotive body, paint, and interior repair and maintenance. They have developed expertise in these sectors and understand the unique financial characteristics of each industry.
What are Guaranty Bank's typical SBA loan terms?
Guaranty Bank's SBA 7(a) loans typically feature an average interest rate of 6.67% and average term length of 136 months (approximately 11 years). Loan sizes range from $6K to $3.5M, with an average loan size of $377K.
Do I need a business valuation for a Guaranty Bank SBA loan?
Yes, Guaranty 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 Guaranty Bank compare to other SBA lenders?
Guaranty Bank has originated 466 SBA loans totaling $175.8M 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 Guaranty Bank lend in?
Guaranty Bank provides SBA 7(a) financing with particularly strong presence in MO, TX, KS, AR, WI. 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?
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