Pinnacle Bank
SBA 7(a) Lending Profile · FY 2025 analysis
Industry Focus
Top industries served by Pinnacle Bank
| NAICS | Industry | Loans | Volume | Avg Loan | Share |
|---|---|---|---|---|---|
| 623312 | Homes for the Elderly | 736 | $962.1M | $1.3M | 8.1% |
| 722511 | Full-Service Restaurants | 488 | $470.1M | $963K | 5.4% |
| 721110 | Hotels (except Casino Hotels) and Motels | 472 | $1.21B | $2.6M | 5.2% |
| 713940 | Fitness and Recreational Sports Centers | 352 | $292.6M | $831K | 3.9% |
| 722513 | Limited-Service Restaurants | 344 | $252.1M | $733K | 3.8% |
| 624410 | Child Day Care Services | 224 | $372.2M | $1.7M | 2.5% |
| 811111 | General Automotive Repair | 184 | $129.7M | $705K | 2.0% |
| 238990 | All Other Specialty Trade Contractors | 168 | $144.4M | $860K | 1.9% |
| 722515 | Snack and Nonalcoholic Beverage Bars | 160 | $105.1M | $657K | 1.8% |
| 541211 | Offices of Certified Public Accountants | 136 | $160.8M | $1.2M | 1.5% |
Geographic Distribution
SBA lending activity for Pinnacle Bank by state
| State | Loans | Volume | Share |
|---|---|---|---|
| California (CA) | 1,352 | $2.32B | 15.0% |
| North Carolina (NC) | 2,168 | $2.26B | 24.0% |
| Tennessee (TN) | 1,768 | $1.88B | 19.6% |
| South Carolina (SC) | 1,024 | $1.08B | 11.3% |
| Georgia (GA) | 752 | $631.6M | 8.3% |
| Virginia (VA) | 392 | $524.7M | 4.3% |
| Florida (FL) | 384 | $494.1M | 4.2% |
| Texas (TX) | 344 | $401.3M | 3.8% |
| Alabama (AL) | 136 | $169.5M | 1.5% |
| Mississippi (MS) | 72 | $97.0M | 0.8% |
| Arizona (AZ) | 40 | $93.8M | 0.4% |
| Missouri (MO) | 24 | $77.8M | 0.3% |
| New Jersey (NJ) | 32 | $76.7M | 0.4% |
| Pennsylvania (PA) | 40 | $55.0M | 0.4% |
| Nebraska (NE) | 96 | $53.8M | 1.1% |
| Nevada (NV) | 32 | $43.4M | 0.4% |
| Louisiana (LA) | 16 | $42.1M | 0.2% |
| Colorado (CO) | 40 | $38.6M | 0.4% |
| Michigan (MI) | 16 | $35.3M | 0.2% |
| Maryland (MD) | 16 | $34.5M | 0.2% |
| Illinois (IL) | 40 | $33.9M | 0.4% |
| Connecticut (CT) | 24 | $32.9M | 0.3% |
| Kansas (KS) | 32 | $25.2M | 0.4% |
| Ohio (OH) | 24 | $22.0M | 0.3% |
| Arkansas (AR) | 40 | $20.8M | 0.4% |
| Massachusetts (MA) | 16 | $19.9M | 0.2% |
| Indiana (IN) | 16 | $17.8M | 0.2% |
| Utah (UT) | 24 | $17.2M | 0.3% |
| Kentucky (KY) | 8 | $15.7M | 0.1% |
| Wisconsin (WI) | 24 | $15.1M | 0.3% |
| New York (NY) | 16 | $12.3M | 0.2% |
| Washington (WA) | 8 | $12.2M | 0.1% |
| Oregon (OR) | 8 | $12.0M | 0.1% |
| Hawaii (HI) | 8 | $10.2M | 0.1% |
| Iowa (IA) | 8 | $4.7M | 0.1% |
Why Choose Pinnacle Bank?
Based on SBA 7(a) lending track record from 2020-2025
- ✓Proven Track Record: 9,040 SBA loans approved, totaling $10.68B in financing
- ✓Industry Expertise: Specialized focus on Homes for the Elderly, Full-Service Restaurants, Hotels (except Casino Hotels) and Motels
- ✓Competitive Terms: Average interest rate of 7.43% with flexible term lengths averaging 183 months
- ✓Loan Range: Loan sizes from $25K to $5.0M, with an average of $1.2M
- ✓Nationwide Reach: Active lending in 35 states, with strong presence in NC, TN, 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 Pinnacle Bank SBA lending
What types of businesses does Pinnacle Bank typically finance?
Pinnacle Bank specializes in SBA 7(a) lending to specific industries including homes for the elderly, full-service restaurants, hotels (except casino hotels) and motels, fitness and recreational sports centers. They have developed expertise in these sectors and understand the unique financial characteristics of each industry.
What are Pinnacle Bank's typical SBA loan terms?
Pinnacle Bank's SBA 7(a) loans typically feature an average interest rate of 7.43% and average term length of 183 months (approximately 15 years). Loan sizes range from $25K to $5.0M, with an average loan size of $1.2M.
Do I need a business valuation for a Pinnacle Bank SBA loan?
Yes, Pinnacle 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 Pinnacle Bank compare to other SBA lenders?
Pinnacle Bank has originated 9,040 SBA loans totaling $10.68B 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 Pinnacle Bank lend in?
Pinnacle Bank provides SBA 7(a) financing with particularly strong presence in NC, TN, CA, SC, GA. 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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