Prosperity Bank
SBA 7(a) Lending Profile · All Time analysis
Industry Focus
Top industries served by Prosperity Bank · All Time
| NAICS | Industry | Loans | Volume | Avg Loan | Share |
|---|---|---|---|---|---|
| 624410 | Child Care Services | 44 | $12.2M | $278K | 1.6% |
| 621111 | Offices of Physicians (except Mental Health Specialists) | 43 | $15.3M | $356K | 1.5% |
| 811111 | General Automotive Repair | 41 | $6.3M | $154K | 1.5% |
| 621210 | Offices of Dentists | 38 | $11.8M | $310K | 1.4% |
| 213112 | Support Activities for Oil and Gas Operations | 36 | $9.9M | $275K | 1.3% |
| 713940 | Fitness and Recreational Sports Centers | 28 | $5.8M | $206K | 1.0% |
| 621310 | Offices of Chiropractors | 26 | $2.1M | $80K | 0.9% |
| 722513 | Limited-Service Restaurants | 25 | $7.6M | $305K | 0.9% |
| 722511 | Full-Service Restaurants | 22 | $17.2M | $783K | 0.8% |
| 811192 | Car Washes | 19 | $6.0M | $314K | 0.7% |
Geographic Distribution
SBA lending activity for Prosperity Bank by state
| State | Loans | Volume | Share |
|---|---|---|---|
| Texas (TX) | 2,665 | $634.3M | 95.8% |
| Oklahoma (OK) | 99 | $18.4M | 3.6% |
| Colorado (CO) | 5 | $5.7M | 0.2% |
| New Mexico (NM) | 2 | $834K | 0.1% |
| ( ) | 3 | $220K | 0.1% |
| Kansas (KS) | 1 | $174K | 0.0% |
| Missouri (MO) | 1 | $134K | 0.0% |
| Florida (FL) | 1 | $80K | 0.0% |
| Virginia (VA) | 1 | $75K | 0.0% |
| Minnesota (MN) | 2 | $71K | 0.1% |
| North Carolina (NC) | 1 | $36K | 0.0% |
Why Choose Prosperity Bank?
Based on SBA 7(a) lending track record from 1991-2025
- ✓Proven Track Record: 2,781 SBA loans approved, totaling $660.0M 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 5.93% with flexible term lengths averaging 98 months
- ✓Loan Range: Loan sizes from $800 to $4.6M, with an average of $237K
- ✓Nationwide Reach: Active lending in 11 states, with strong presence in TX, OK, CO
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 Prosperity Bank SBA lending
What types of businesses does Prosperity Bank typically finance?
Prosperity Bank specializes in SBA 7(a) lending to specific industries including child care services, offices of physicians (except mental health specialists), general automotive repair, offices of dentists. They have developed expertise in these sectors and understand the unique financial characteristics of each industry.
What are Prosperity Bank's typical SBA loan terms?
Prosperity Bank's SBA 7(a) loans typically feature an average interest rate of 5.93% and average term length of 98 months (approximately 8 years). Loan sizes range from $800 to $4.6M, with an average loan size of $237K.
Do I need a business valuation for a Prosperity Bank SBA loan?
Yes, Prosperity 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 Prosperity Bank compare to other SBA lenders?
Prosperity Bank has originated 2,781 SBA loans totaling $660.0M 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 Prosperity Bank lend in?
Prosperity Bank provides SBA 7(a) financing with particularly strong presence in TX, OK, CO, , NM. 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.
Get your certified valuation from Fair Market Value.