HSBC Bank USA National Association
SBA 7(a) Lending Profile · FY 2021 analysis
Industry Focus
Top industries served by HSBC Bank USA National Association
| NAICS | Industry | Loans | Volume | Avg Loan | Share |
|---|---|---|---|---|---|
| 425120 | Wholesale Trade Agents and Brokers | 16 | $32.0M | $2.0M | 18.2% |
| 722511 | Full-Service Restaurants | 16 | $4.8M | $300K | 18.2% |
| 812910 | Pet Care (except Veterinary) Services | 8 | $1.2M | $150K | 9.1% |
| 333923 | Overhead Traveling Crane, Hoist, and Monorail System Manufacturing | 8 | $10.0M | $1.3M | 9.1% |
| 423120 | Motor Vehicle Supplies and New Parts Merchant Wholesalers | 8 | $36.0M | $4.5M | 9.1% |
| 238990 | All Other Specialty Trade Contractors | 8 | $10.0M | $1.3M | 9.1% |
| 423990 | Other Miscellaneous Durable Goods Merchant Wholesalers | 8 | $14.4M | $1.8M | 9.1% |
| 325199 | All Other Basic Organic Chemical Manufacturing | 8 | $12.0M | $1.5M | 9.1% |
| 812199 | Other Personal Care Services | 8 | $1.0M | $125K | 9.1% |
Geographic Distribution
SBA lending activity for HSBC Bank USA National Association by state
| State | Loans | Volume | Share |
|---|---|---|---|
| New Jersey (NJ) | 48 | $100.0M | 54.5% |
| Florida (FL) | 24 | $18.4M | 27.3% |
| California (CA) | 8 | $2.0M | 9.1% |
| New York (NY) | 8 | $1.0M | 9.1% |
Why Choose HSBC Bank USA National Association?
Based on SBA 7(a) lending track record from 2020-2025
- ✓Proven Track Record: 88 SBA loans approved, totaling $121.4M in financing
- ✓Industry Expertise: Specialized focus on Wholesale Trade Agents and Brokers, Full-Service Restaurants, Pet Care (except Veterinary) Services
- ✓Competitive Terms: Average interest rate of 6.48% with flexible term lengths averaging 42 months
- ✓Loan Range: Loan sizes from $125K to $4.5M, with an average of $1.4M
- ✓Nationwide Reach: Active lending in 4 states, with strong presence in NJ, 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 HSBC Bank USA National Association SBA lending
What types of businesses does HSBC Bank USA National Association typically finance?
HSBC Bank USA National Association specializes in SBA 7(a) lending to specific industries including wholesale trade agents and brokers, full-service restaurants, pet care (except veterinary) services, overhead traveling crane, hoist, and monorail system manufacturing. They have developed expertise in these sectors and understand the unique financial characteristics of each industry.
What are HSBC Bank USA National Association's typical SBA loan terms?
HSBC Bank USA National Association's SBA 7(a) loans typically feature an average interest rate of 6.48% and average term length of 42 months (approximately 4 years). Loan sizes range from $125K to $4.5M, with an average loan size of $1.4M.
Do I need a business valuation for a HSBC Bank USA National Association SBA loan?
Yes, HSBC Bank USA National Association 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 HSBC Bank USA National Association compare to other SBA lenders?
HSBC Bank USA National Association has originated 88 SBA loans totaling $121.4M 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 HSBC Bank USA National Association lend in?
HSBC Bank USA National Association provides SBA 7(a) financing with particularly strong presence in NJ, FL, CA, NY. 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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