Gulf Coast Bank and Trust Company
SBA 7(a) Lending Profile · All Time analysis
Industry Focus
Top industries served by Gulf Coast Bank and Trust Company · All Time
| NAICS | Industry | Loans | Volume | Avg Loan | Share |
|---|---|---|---|---|---|
| 722513 | Limited-Service Restaurants | 133 | $87.5M | $658K | 4.8% |
| 624410 | Child Care Services | 115 | $71.5M | $622K | 4.1% |
| 722511 | Full-Service Restaurants | 97 | $79.7M | $822K | 3.5% |
| 721110 | Hotels (except Casino Hotels) and Motels | 73 | $90.7M | $1.2M | 2.6% |
| 713940 | Fitness and Recreational Sports Centers | 70 | $32.5M | $465K | 2.5% |
| 812320 | Drycleaning and Laundry Services (except Coin-Operated) | 46 | $32.0M | $696K | 1.7% |
| 811192 | Car Washes | 45 | $53.6M | $1.2M | 1.6% |
| 811111 | General Automotive Repair | 41 | $24.0M | $585K | 1.5% |
| 812199 | Other Personal Care Services | 35 | $15.9M | $453K | 1.3% |
| 561730 | Landscaping Services | 32 | $24.8M | $775K | 1.1% |
Geographic Distribution
SBA lending activity for Gulf Coast Bank and Trust Company by state
| State | Loans | Volume | Share |
|---|---|---|---|
| Texas (TX) | 612 | $435.0M | 22.0% |
| Louisiana (LA) | 1,144 | $293.3M | 41.1% |
| Florida (FL) | 216 | $183.6M | 7.8% |
| Georgia (GA) | 167 | $86.7M | 6.0% |
| California (CA) | 59 | $57.5M | 2.1% |
| North Carolina (NC) | 53 | $45.4M | 1.9% |
| Colorado (CO) | 50 | $39.8M | 1.8% |
| Utah (UT) | 20 | $28.3M | 0.7% |
| Arizona (AZ) | 41 | $28.0M | 1.5% |
| South Carolina (SC) | 20 | $20.8M | 0.7% |
| Tennessee (TN) | 28 | $20.5M | 1.0% |
| Nevada (NV) | 21 | $19.9M | 0.8% |
| Ohio (OH) | 22 | $18.9M | 0.8% |
| Oregon (OR) | 25 | $18.5M | 0.9% |
| Virginia (VA) | 21 | $18.3M | 0.8% |
| New York (NY) | 27 | $17.0M | 1.0% |
| Washington (WA) | 21 | $16.1M | 0.8% |
| New Jersey (NJ) | 19 | $15.0M | 0.7% |
| Illinois (IL) | 18 | $14.4M | 0.6% |
| Mississippi (MS) | 30 | $13.9M | 1.1% |
| Maryland (MD) | 17 | $13.3M | 0.6% |
| Idaho (ID) | 15 | $12.6M | 0.5% |
| Michigan (MI) | 15 | $12.3M | 0.5% |
| Alabama (AL) | 16 | $10.3M | 0.6% |
| Wisconsin (WI) | 8 | $9.8M | 0.3% |
| Pennsylvania (PA) | 10 | $9.1M | 0.4% |
| Connecticut (CT) | 10 | $8.6M | 0.4% |
| Montana (MT) | 10 | $7.7M | 0.4% |
| New Mexico (NM) | 6 | $5.8M | 0.2% |
| Oklahoma (OK) | 6 | $5.6M | 0.2% |
| Kentucky (KY) | 5 | $4.8M | 0.2% |
| Indiana (IN) | 4 | $4.8M | 0.1% |
| Wyoming (WY) | 5 | $4.2M | 0.2% |
| Massachusetts (MA) | 6 | $4.1M | 0.2% |
| Kansas (KS) | 4 | $4.1M | 0.1% |
| Alaska (AK) | 2 | $3.8M | 0.1% |
| West Virginia (WV) | 5 | $2.4M | 0.2% |
| Nebraska (NE) | 3 | $2.4M | 0.1% |
| Iowa (IA) | 3 | $2.4M | 0.1% |
| Missouri (MO) | 4 | $2.0M | 0.1% |
| Arkansas (AR) | 4 | $2.0M | 0.1% |
| New Hampshire (NH) | 2 | $1.0M | 0.1% |
| Minnesota (MN) | 2 | $1.0M | 0.1% |
| District of Columbia (DC) | 3 | $920K | 0.1% |
| Rhode Island (RI) | 1 | $885K | 0.0% |
| Maine (ME) | 2 | $777K | 0.1% |
| Vermont (VT) | 1 | $285K | 0.0% |
Why Choose Gulf Coast Bank and Trust Company?
Based on SBA 7(a) lending track record from 1991-2025
- ✓Proven Track Record: 2,783 SBA loans approved, totaling $1.53B in financing
- ✓Industry Expertise: Specialized focus on Limited-Service Restaurants, Child Care Services, Full-Service Restaurants
- ✓Competitive Terms: Average interest rate of 7.17% with flexible term lengths averaging 159 months
- ✓Loan Range: Loan sizes from $8K to $5.0M, with an average of $549K
- ✓Nationwide Reach: Active lending in 47 states, with strong presence in LA, 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 Gulf Coast Bank and Trust Company SBA lending
What types of businesses does Gulf Coast Bank and Trust Company typically finance?
Gulf Coast Bank and Trust Company specializes in SBA 7(a) lending to specific industries including limited-service restaurants, child care services, full-service restaurants, hotels (except casino hotels) and motels. They have developed expertise in these sectors and understand the unique financial characteristics of each industry.
What are Gulf Coast Bank and Trust Company's typical SBA loan terms?
Gulf Coast Bank and Trust Company's SBA 7(a) loans typically feature an average interest rate of 7.17% and average term length of 159 months (approximately 13 years). Loan sizes range from $8K to $5.0M, with an average loan size of $549K.
Do I need a business valuation for a Gulf Coast Bank and Trust Company SBA loan?
Yes, Gulf Coast Bank and Trust Company 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 Gulf Coast Bank and Trust Company compare to other SBA lenders?
Gulf Coast Bank and Trust Company has originated 2,783 SBA loans totaling $1.53B since 1991. 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 Gulf Coast Bank and Trust Company lend in?
Gulf Coast Bank and Trust Company provides SBA 7(a) financing with particularly strong presence in LA, TX, FL, GA, CA. Based on their lending history, they have experience with diverse state-specific business regulations and licensing requirements.
Research Your Target Industry Before Applying
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