InBank
SBA 7(a) Lending Profile · FY 2022 analysis
Industry Focus
Top industries served by InBank
| NAICS | Industry | Loans | Volume | Avg Loan | Share |
|---|---|---|---|---|---|
| 722511 | Full-Service Restaurants | 6 | $3.3M | $544K | 4.4% |
| 484110 | General Freight Trucking, Local | 6 | $8.6M | $1.4M | 4.4% |
| 722513 | Limited-Service Restaurants | 5 | $4.4M | $870K | 3.7% |
| 238990 | All Other Specialty Trade Contractors | 4 | $3.8M | $955K | 3.0% |
| 541990 | All Other Professional, Scientific, and Technical Services | 4 | $2.8M | $693K | 3.0% |
| 713940 | Fitness and Recreational Sports Centers | 3 | $711K | $237K | 2.2% |
| 541613 | Marketing Consulting Services | 3 | $1.5M | $498K | 2.2% |
| 325411 | Medicinal and Botanical Manufacturing | 3 | $8.1M | $2.7M | 2.2% |
| 811111 | General Automotive Repair | 3 | $3.8M | $1.3M | 2.2% |
| 449110 | Furniture Retailers | 2 | $1.6M | $825K | 1.5% |
Geographic Distribution
SBA lending activity for InBank by state
| State | Loans | Volume | Share |
|---|---|---|---|
| Colorado (CO) | 72 | $61.4M | 53.3% |
| California (CA) | 13 | $26.1M | 9.6% |
| Arizona (AZ) | 7 | $8.8M | 5.2% |
| Florida (FL) | 3 | $8.6M | 2.2% |
| Texas (TX) | 4 | $7.8M | 3.0% |
| Pennsylvania (PA) | 1 | $5.0M | 0.7% |
| New York (NY) | 3 | $4.9M | 2.2% |
| New Mexico (NM) | 17 | $4.0M | 12.6% |
| Nevada (NV) | 2 | $3.9M | 1.5% |
| Georgia (GA) | 1 | $3.5M | 0.7% |
| Nebraska (NE) | 3 | $3.1M | 2.2% |
| New Jersey (NJ) | 2 | $2.0M | 1.5% |
| Louisiana (LA) | 1 | $2.0M | 0.7% |
| South Carolina (SC) | 1 | $1.3M | 0.7% |
| Virginia (VA) | 1 | $1.2M | 0.7% |
| Kansas (KS) | 1 | $495K | 0.7% |
| Montana (MT) | 1 | $300K | 0.7% |
| Ohio (OH) | 2 | $219K | 1.5% |
Why Choose InBank?
Based on SBA 7(a) lending track record from 2020-2025
- ✓Proven Track Record: 135 SBA loans approved, totaling $144.5M in financing
- ✓Industry Expertise: Specialized focus on Full-Service Restaurants, General Freight Trucking, Local, Limited-Service Restaurants
- ✓Competitive Terms: Average interest rate of 8.95% with flexible term lengths averaging 134 months
- ✓Loan Range: Loan sizes from $20K to $5.0M, with an average of $1.1M
- ✓Nationwide Reach: Active lending in 18 states, with strong presence in CO, NM, 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 InBank SBA lending
What types of businesses does InBank typically finance?
InBank specializes in SBA 7(a) lending to specific industries including full-service restaurants, general freight trucking, local, limited-service restaurants, all other specialty trade contractors. They have developed expertise in these sectors and understand the unique financial characteristics of each industry.
What are InBank's typical SBA loan terms?
InBank's SBA 7(a) loans typically feature an average interest rate of 8.95% and average term length of 134 months (approximately 11 years). Loan sizes range from $20K to $5.0M, with an average loan size of $1.1M.
Do I need a business valuation for a InBank SBA loan?
Yes, InBank 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 InBank compare to other SBA lenders?
InBank has originated 135 SBA loans totaling $144.5M 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 InBank lend in?
InBank provides SBA 7(a) financing with particularly strong presence in CO, NM, CA, AZ, TX. 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.
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