PlainsCapital Bank
SBA 7(a) Lending Profile · All Time analysis
Industry Focus
Top industries served by PlainsCapital Bank · All Time
| NAICS | Industry | Loans | Volume | Avg Loan | Share |
|---|---|---|---|---|---|
| 624410 | Child Care Services | 29 | $14.8M | $509K | 2.1% |
| 621111 | Offices of Physicians (except Mental Health Specialists) | 27 | $10.3M | $380K | 1.9% |
| 811111 | General Automotive Repair | 25 | $10.5M | $421K | 1.8% |
| 722511 | Full-Service Restaurants | 24 | $19.4M | $809K | 1.7% |
| 811192 | Car Washes | 23 | $21.7M | $944K | 1.6% |
| 621310 | Offices of Chiropractors | 21 | $8.0M | $380K | 1.5% |
| 238990 | All Other Specialty Trade Contractors | 20 | $7.0M | $351K | 1.4% |
| 722513 | Limited-Service Restaurants | 14 | $12.3M | $878K | 1.0% |
| 812320 | Drycleaning and Laundry Services (except Coin-Operated) | 13 | $8.1M | $626K | 0.9% |
| 621210 | Offices of Dentists | 13 | $4.9M | $376K | 0.9% |
Geographic Distribution
SBA lending activity for PlainsCapital Bank by state
| State | Loans | Volume | Share |
|---|---|---|---|
| Texas (TX) | 1,373 | $666.8M | 98.5% |
| Delaware (DE) | 2 | $3.3M | 0.1% |
| New Mexico (NM) | 7 | $2.7M | 0.5% |
| Kansas (KS) | 1 | $2.0M | 0.1% |
| North Carolina (NC) | 1 | $1.6M | 0.1% |
| Oklahoma (OK) | 3 | $1.4M | 0.2% |
| Wisconsin (WI) | 1 | $1.0M | 0.1% |
| Colorado (CO) | 1 | $848K | 0.1% |
| New Hampshire (NH) | 1 | $325K | 0.1% |
| California (CA) | 1 | $100K | 0.1% |
| Illinois (IL) | 1 | $100K | 0.1% |
| Maryland (MD) | 1 | $52K | 0.1% |
| Arkansas (AR) | 1 | $50K | 0.1% |
Why Choose PlainsCapital Bank?
Based on SBA 7(a) lending track record from 1991-2025
- ✓Proven Track Record: 1,394 SBA loans approved, totaling $680.3M in financing
- ✓Industry Expertise: Specialized focus on Child Care Services, Offices of Physicians (except Mental Health Specialists), General Automotive Repair
- ✓Competitive Terms: Average interest rate of 7.25% with flexible term lengths averaging 114 months
- ✓Loan Range: Loan sizes from $7K to $5.0M, with an average of $488K
- ✓Nationwide Reach: Active lending in 13 states, with strong presence in TX, NM, OK
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 PlainsCapital Bank SBA lending
What types of businesses does PlainsCapital Bank typically finance?
PlainsCapital Bank specializes in SBA 7(a) lending to specific industries including child care services, offices of physicians (except mental health specialists), general automotive repair, full-service restaurants. They have developed expertise in these sectors and understand the unique financial characteristics of each industry.
What are PlainsCapital Bank's typical SBA loan terms?
PlainsCapital Bank's SBA 7(a) loans typically feature an average interest rate of 7.25% and average term length of 114 months (approximately 10 years). Loan sizes range from $7K to $5.0M, with an average loan size of $488K.
Do I need a business valuation for a PlainsCapital Bank SBA loan?
Yes, PlainsCapital 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 PlainsCapital Bank compare to other SBA lenders?
PlainsCapital Bank has originated 1,394 SBA loans totaling $680.3M since 1991. 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 PlainsCapital Bank lend in?
PlainsCapital Bank provides SBA 7(a) financing with particularly strong presence in TX, NM, OK, DE, CO. 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?
Certified valuations are often required for SBA loans over $250,000.
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