Metro City Bank
SBA 7(a) Lending Profile · FY 2020 analysis
Industry Focus
Top industries served by Metro City Bank
| NAICS | Industry | Loans | Volume | Avg Loan | Share |
|---|---|---|---|---|---|
| 457110 | Other | 840 | $1.21B | $1.4M | 10.9% |
| 447110 | Gasoline Stations with Convenience Stores | 808 | $1.22B | $1.5M | 10.5% |
| 722511 | Full-Service Restaurants | 688 | $767.9M | $1.1M | 8.9% |
| 722513 | Limited-Service Restaurants | 584 | $377.9M | $647K | 7.6% |
| 445320 | Other | 568 | $1.63B | $2.9M | 7.4% |
| 721110 | Hotels (except Casino Hotels) and Motels | 504 | $1.32B | $2.6M | 6.5% |
| 445310 | Beer, Wine, and Liquor Stores | 480 | $1.46B | $3.0M | 6.2% |
| 445110 | Supermarkets and Other Grocery (except Convenience) Stores | 472 | $836.7M | $1.8M | 6.1% |
| 811192 | Car Washes | 384 | $1.23B | $3.2M | 5.0% |
| 112320 | Broilers and Other Meat Type | 288 | $623.3M | $2.2M | 3.7% |
Geographic Distribution
SBA lending activity for Metro City Bank by state
| State | Loans | Volume | Share |
|---|---|---|---|
| Georgia (GA) | 3,088 | $6.40B | 40.1% |
| Texas (TX) | 1,840 | $2.94B | 23.9% |
| New York (NY) | 520 | $977.4M | 6.7% |
| Florida (FL) | 280 | $475.9M | 3.6% |
| California (CA) | 200 | $316.7M | 2.6% |
| Pennsylvania (PA) | 168 | $288.5M | 2.2% |
| Alabama (AL) | 240 | $287.8M | 3.1% |
| Washington (WA) | 240 | $277.2M | 3.1% |
| Oklahoma (OK) | 128 | $197.1M | 1.7% |
| New Jersey (NJ) | 136 | $164.9M | 1.8% |
| Virginia (VA) | 192 | $141.4M | 2.5% |
| Tennessee (TN) | 120 | $131.6M | 1.6% |
| Louisiana (LA) | 24 | $86.5M | 0.3% |
| Indiana (IN) | 48 | $82.1M | 0.6% |
| VI (VI) | 16 | $72.0M | 0.2% |
| North Carolina (NC) | 80 | $69.6M | 1.0% |
| South Carolina (SC) | 64 | $63.5M | 0.8% |
| Connecticut (CT) | 40 | $54.0M | 0.5% |
| Arkansas (AR) | 48 | $48.5M | 0.6% |
| Mississippi (MS) | 32 | $43.8M | 0.4% |
| Kansas (KS) | 32 | $40.5M | 0.4% |
| Rhode Island (RI) | 48 | $31.0M | 0.6% |
| Minnesota (MN) | 24 | $28.9M | 0.3% |
| Iowa (IA) | 16 | $17.8M | 0.2% |
| Idaho (ID) | 8 | $16.0M | 0.1% |
| District of Columbia (DC) | 24 | $15.9M | 0.3% |
| Oregon (OR) | 8 | $13.7M | 0.1% |
| Ohio (OH) | 8 | $10.4M | 0.1% |
| Illinois (IL) | 16 | $8.2M | 0.2% |
| Missouri (MO) | 8 | $7.0M | 0.1% |
| Maryland (MD) | 8 | $2.2M | 0.1% |
Why Choose Metro City Bank?
Based on SBA 7(a) lending track record from 2020-2025
- ✓Proven Track Record: 7,704 SBA loans approved, totaling $13.31B in financing
- ✓Industry Expertise: Specialized focus on Other, Gasoline Stations with Convenience Stores, Full-Service Restaurants
- ✓Competitive Terms: Average interest rate of 6.41% with flexible term lengths averaging 248 months
- ✓Loan Range: Loan sizes from $100K to $5.0M, with an average of $1.7M
- ✓Nationwide Reach: Active lending in 31 states, with strong presence in GA, TX, NY
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 Metro City Bank SBA lending
What types of businesses does Metro City Bank typically finance?
Metro City Bank specializes in SBA 7(a) lending to specific industries including other, gasoline stations with convenience stores, full-service restaurants, limited-service restaurants. They have developed expertise in these sectors and understand the unique financial characteristics of each industry.
What are Metro City Bank's typical SBA loan terms?
Metro City Bank's SBA 7(a) loans typically feature an average interest rate of 6.41% and average term length of 248 months (approximately 21 years). Loan sizes range from $100K to $5.0M, with an average loan size of $1.7M.
Do I need a business valuation for a Metro City Bank SBA loan?
Yes, Metro City 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 Metro City Bank compare to other SBA lenders?
Metro City Bank has originated 7,704 SBA loans totaling $13.31B 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 Metro City Bank lend in?
Metro City Bank provides SBA 7(a) financing with particularly strong presence in GA, TX, NY, FL, WA. 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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Professional valuations are often required for SBA loans over $250,000.
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