Pathward National Association
SBA 7(a) Lending Profile · FY 2021 analysis
Industry Focus
Top industries served by Pathward National Association
| NAICS | Industry | Loans | Volume | Avg Loan | Share |
|---|---|---|---|---|---|
| 524210 | Insurance Agencies and Brokerages | 592 | $582.9M | $985K | 17.5% |
| 238220 | Plumbing, Heating, and Air-Conditioning Contractors | 120 | $163.4M | $1.4M | 3.5% |
| 722513 | Limited-Service Restaurants | 112 | $102.5M | $915K | 3.3% |
| 238990 | All Other Specialty Trade Contractors | 72 | $124.4M | $1.7M | 2.1% |
| 722511 | Full-Service Restaurants | 72 | $90.2M | $1.3M | 2.1% |
| 523930 | Investment Advice | 72 | $62.3M | $865K | 2.1% |
| 238160 | Roofing Contractors | 64 | $107.4M | $1.7M | 1.9% |
| 713940 | Fitness and Recreational Sports Centers | 64 | $111.4M | $1.7M | 1.9% |
| 811111 | General Automotive Repair | 56 | $82.1M | $1.5M | 1.7% |
| 541512 | Computer Systems Design Services | 48 | $84.0M | $1.8M | 1.4% |
Geographic Distribution
SBA lending activity for Pathward National Association by state
| State | Loans | Volume | Share |
|---|---|---|---|
| Florida (FL) | 528 | $773.6M | 15.6% |
| California (CA) | 416 | $666.8M | 12.3% |
| Texas (TX) | 352 | $513.0M | 10.4% |
| Georgia (GA) | 152 | $230.0M | 4.5% |
| Illinois (IL) | 128 | $207.8M | 3.8% |
| North Carolina (NC) | 136 | $177.8M | 4.0% |
| New Jersey (NJ) | 80 | $172.3M | 2.4% |
| Ohio (OH) | 112 | $169.9M | 3.3% |
| Louisiana (LA) | 40 | $131.5M | 1.2% |
| New York (NY) | 144 | $131.1M | 4.3% |
| Michigan (MI) | 128 | $127.4M | 3.8% |
| Utah (UT) | 64 | $120.8M | 1.9% |
| Arizona (AZ) | 80 | $120.7M | 2.4% |
| Virginia (VA) | 80 | $117.8M | 2.4% |
| Colorado (CO) | 88 | $99.2M | 2.6% |
| Missouri (MO) | 64 | $94.7M | 1.9% |
| South Carolina (SC) | 88 | $91.0M | 2.6% |
| Nevada (NV) | 56 | $81.3M | 1.7% |
| Iowa (IA) | 32 | $79.2M | 0.9% |
| Connecticut (CT) | 64 | $78.7M | 1.9% |
| Alabama (AL) | 48 | $72.8M | 1.4% |
| Tennessee (TN) | 32 | $66.5M | 0.9% |
| Minnesota (MN) | 48 | $56.4M | 1.4% |
| Delaware (DE) | 32 | $54.6M | 0.9% |
| Oregon (OR) | 56 | $52.8M | 1.7% |
| Kentucky (KY) | 16 | $46.6M | 0.5% |
| Montana (MT) | 16 | $45.1M | 0.5% |
| Wyoming (WY) | 16 | $42.2M | 0.5% |
| Nebraska (NE) | 16 | $40.0M | 0.5% |
| Maryland (MD) | 32 | $37.2M | 0.9% |
| Indiana (IN) | 16 | $35.3M | 0.5% |
| Maine (ME) | 16 | $32.2M | 0.5% |
| New Hampshire (NH) | 24 | $26.2M | 0.7% |
| Washington (WA) | 32 | $22.1M | 0.9% |
| Alaska (AK) | 32 | $21.6M | 0.9% |
| Pennsylvania (PA) | 24 | $18.8M | 0.7% |
| New Mexico (NM) | 8 | $13.9M | 0.2% |
| Massachusetts (MA) | 16 | $11.9M | 0.5% |
| Arkansas (AR) | 16 | $11.7M | 0.5% |
| Kansas (KS) | 16 | $10.4M | 0.5% |
| Vermont (VT) | 8 | $8.9M | 0.2% |
| South Dakota (SD) | 16 | $5.0M | 0.5% |
| North Dakota (ND) | 8 | $2.9M | 0.2% |
| Idaho (ID) | 8 | $2.8M | 0.2% |
Why Choose Pathward National Association?
Based on SBA 7(a) lending track record from 2020-2025
- ✓Proven Track Record: 3,384 SBA loans approved, totaling $4.92B in financing
- ✓Industry Expertise: Specialized focus on Insurance Agencies and Brokerages, Plumbing, Heating, and Air-Conditioning Contractors, Limited-Service Restaurants
- ✓Competitive Terms: Average interest rate of 8.88% with flexible term lengths averaging 130 months
- ✓Loan Range: Loan sizes from $50K to $5.0M, with an average of $1.5M
- ✓Nationwide Reach: Active lending in 44 states, with strong presence in FL, CA, 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 Pathward National Association SBA lending
What types of businesses does Pathward National Association typically finance?
Pathward National Association specializes in SBA 7(a) lending to specific industries including insurance agencies and brokerages, plumbing, heating, and air-conditioning contractors, 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 Pathward National Association's typical SBA loan terms?
Pathward National Association's SBA 7(a) loans typically feature an average interest rate of 8.88% and average term length of 130 months (approximately 11 years). Loan sizes range from $50K to $5.0M, with an average loan size of $1.5M.
Do I need a business valuation for a Pathward National Association SBA loan?
Yes, Pathward 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 Pathward National Association compare to other SBA lenders?
Pathward National Association has originated 3,384 SBA loans totaling $4.92B 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 Pathward National Association lend in?
Pathward National Association provides SBA 7(a) financing with particularly strong presence in FL, CA, TX, GA, 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.
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.
Explore Industry Reports →Need a Business Valuation?
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