Lone Star National Bank
SBA 7(a) Lending Profile · FY 2022 analysis
Industry Focus
Top industries served by Lone Star National Bank
| NAICS | Industry | Loans | Volume | Avg Loan | Share |
|---|---|---|---|---|---|
| 722515 | Snack and Nonalcoholic Beverage Bars | 48 | $6.2M | $129K | 9.1% |
| 624410 | Child Day Care Services | 40 | $11.5M | $286K | 7.6% |
| 713940 | Fitness and Recreational Sports Centers | 40 | $21.6M | $540K | 7.6% |
| 621340 | Offices of Physical, Occupational and Speech Therapists, and Audiologi | 32 | $5.6M | $176K | 6.1% |
| 621111 | Offices of Physicians (except Mental Health Specialists) | 32 | $8.3M | $260K | 6.1% |
| 711310 | Promoters of Performing Arts, Sports, and Similar Events with Faciliti | 24 | $12.8M | $533K | 4.5% |
| 484121 | General Freight Trucking, Long Distance, Truckload | 24 | $1.7M | $72K | 4.5% |
| 621610 | Home Health Care Services | 16 | $1.4M | $85K | 3.0% |
| 722511 | Full-Service Restaurants | 16 | $7.4M | $465K | 3.0% |
| 484220 | Specialized Freight (except Used Goods) Trucking, Local | 16 | $5.6M | $348K | 3.0% |
Geographic Distribution
SBA lending activity for Lone Star National Bank by state
| State | Loans | Volume | Share |
|---|---|---|---|
| Texas (TX) | 528 | $128.2M | 100.0% |
Why Choose Lone Star National Bank?
Based on SBA 7(a) lending track record from 2020-2025
- ✓Proven Track Record: 528 SBA loans approved, totaling $128.2M in financing
- ✓Industry Expertise: Specialized focus on Snack and Nonalcoholic Beverage Bars, Child Day Care Services, Fitness and Recreational Sports Centers
- ✓Competitive Terms: Average interest rate of 8.35% with flexible term lengths averaging 124 months
- ✓Loan Range: Loan sizes from $10K to $1.6M, with an average of $243K
- ✓Nationwide Reach: Active lending in 1 states, with strong presence in TX
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 Lone Star National Bank SBA lending
What types of businesses does Lone Star National Bank typically finance?
Lone Star National Bank specializes in SBA 7(a) lending to specific industries including snack and nonalcoholic beverage bars, child day care services, fitness and recreational sports centers, offices of physical, occupational and speech therapists, and audiologi. They have developed expertise in these sectors and understand the unique financial characteristics of each industry.
What are Lone Star National Bank's typical SBA loan terms?
Lone Star National Bank's SBA 7(a) loans typically feature an average interest rate of 8.35% and average term length of 124 months (approximately 10 years). Loan sizes range from $10K to $1.6M, with an average loan size of $243K.
Do I need a business valuation for a Lone Star National Bank SBA loan?
Yes, Lone Star National 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 Lone Star National Bank compare to other SBA lenders?
Lone Star National Bank has originated 528 SBA loans totaling $128.2M 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 Lone Star National Bank lend in?
Lone Star National Bank provides SBA 7(a) financing with particularly strong presence in 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.
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