Gulf Coast Bank and Trust Company
SBA 7(a) Lending Profile · FY 2026 analysis
Industry Focus
Top industries served by Gulf Coast Bank and Trust Company
| NAICS | Industry | Loans | Volume | Avg Loan | Share |
|---|---|---|---|---|---|
| 722513 | Limited-Service Restaurants | 800 | $569.4M | $712K | 16.5% |
| 722511 | Full-Service Restaurants | 304 | $279.2M | $918K | 6.3% |
| 713940 | Fitness and Recreational Sports Centers | 248 | $172.3M | $695K | 5.1% |
| 624410 | Child Day Care Services | 224 | $157.1M | $701K | 4.6% |
| 812199 | Other Personal Care Services | 200 | $109.2M | $546K | 4.1% |
| 561730 | Landscaping Services | 168 | $160.0M | $952K | 3.5% |
| 722515 | Snack and Nonalcoholic Beverage Bars | 104 | $61.7M | $593K | 2.1% |
| 623312 | Homes for the Elderly | 88 | $139.5M | $1.6M | 1.8% |
| 238220 | Plumbing, Heating, and Air-Conditioning Contractors | 72 | $48.2M | $670K | 1.5% |
| 238210 | Electrical Contractors | 64 | $85.9M | $1.3M | 1.3% |
Geographic Distribution
SBA lending activity for Gulf Coast Bank and Trust Company by state
| State | Loans | Volume | Share |
|---|---|---|---|
| Texas (TX) | 1,008 | $883.0M | 20.8% |
| Florida (FL) | 840 | $768.8M | 17.3% |
| California (CA) | 312 | $347.0M | 6.4% |
| North Carolina (NC) | 288 | $258.1M | 5.9% |
| Louisiana (LA) | 296 | $248.2M | 6.1% |
| Utah (UT) | 136 | $198.7M | 2.8% |
| Arizona (AZ) | 160 | $173.3M | 3.3% |
| Nevada (NV) | 152 | $170.7M | 3.1% |
| Colorado (CO) | 184 | $155.9M | 3.8% |
| Maryland (MD) | 112 | $89.9M | 2.3% |
| New York (NY) | 104 | $88.7M | 2.1% |
| Georgia (GA) | 80 | $74.8M | 1.7% |
| Idaho (ID) | 72 | $73.0M | 1.5% |
| Tennessee (TN) | 96 | $72.1M | 2.0% |
| South Carolina (SC) | 64 | $70.5M | 1.3% |
| New Jersey (NJ) | 88 | $68.9M | 1.8% |
| Oregon (OR) | 96 | $63.7M | 2.0% |
| Pennsylvania (PA) | 64 | $60.9M | 1.3% |
| Washington (WA) | 56 | $57.3M | 1.2% |
| Virginia (VA) | 72 | $41.3M | 1.5% |
| Ohio (OH) | 72 | $40.3M | 1.5% |
| Illinois (IL) | 80 | $39.9M | 1.7% |
| Connecticut (CT) | 48 | $37.0M | 1.0% |
| Kansas (KS) | 24 | $28.4M | 0.5% |
| New Mexico (NM) | 24 | $27.6M | 0.5% |
| Wyoming (WY) | 24 | $27.4M | 0.5% |
| Michigan (MI) | 48 | $24.4M | 1.0% |
| Missouri (MO) | 40 | $20.8M | 0.8% |
| Alaska (AK) | 8 | $17.7M | 0.2% |
| West Virginia (WV) | 32 | $16.7M | 0.7% |
| Mississippi (MS) | 16 | $15.9M | 0.3% |
| Nebraska (NE) | 16 | $15.6M | 0.3% |
| Iowa (IA) | 8 | $12.4M | 0.2% |
| Wisconsin (WI) | 16 | $11.8M | 0.3% |
| Massachusetts (MA) | 24 | $11.7M | 0.5% |
| Rhode Island (RI) | 8 | $7.1M | 0.2% |
| Alabama (AL) | 24 | $6.0M | 0.5% |
| District of Columbia (DC) | 16 | $5.6M | 0.3% |
| Maine (ME) | 8 | $4.7M | 0.2% |
| Oklahoma (OK) | 8 | $4.7M | 0.2% |
| Montana (MT) | 8 | $3.6M | 0.2% |
| New Hampshire (NH) | 8 | $2.6M | 0.2% |
| Vermont (VT) | 8 | $2.3M | 0.2% |
Why Choose Gulf Coast Bank and Trust Company?
Based on SBA 7(a) lending track record from 2020-2025
- ✓Proven Track Record: 4,848 SBA loans approved, totaling $4.35B in financing
- ✓Industry Expertise: Specialized focus on Limited-Service Restaurants, Full-Service Restaurants, Fitness and Recreational Sports Centers
- ✓Competitive Terms: Average interest rate of 8.52% with flexible term lengths averaging 163 months
- ✓Loan Range: Loan sizes from $50K to $5.0M, with an average of $897K
- ✓Nationwide Reach: Active lending in 43 states, with strong presence in TX, FL, CA
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, full-service restaurants, fitness and recreational sports centers, child day care services. 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 8.52% and average term length of 163 months (approximately 14 years). Loan sizes range from $50K to $5.0M, with an average loan size of $897K.
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 4,848 SBA loans totaling $4.35B 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 Gulf Coast Bank and Trust Company lend in?
Gulf Coast Bank and Trust Company provides SBA 7(a) financing with particularly strong presence in TX, FL, CA, LA, NC. 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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