Prosperity Bank
SBA 7(a) Lending Profile · FY 2023 analysis
Industry Focus
Top industries served by Prosperity Bank
| NAICS | Industry | Loans | Volume | Avg Loan | Share |
|---|---|---|---|---|---|
| 621511 | Medical Laboratories | 24 | $14.0M | $583K | 9.1% |
| 221118 | Other Electric Power Generation | 24 | $10.0M | $417K | 9.1% |
| 621111 | Offices of Physicians (except Mental Health Specialists) | 24 | $13.3M | $553K | 9.1% |
| 722513 | Limited-Service Restaurants | 16 | $11.8M | $738K | 6.1% |
| 541330 | Engineering Services | 16 | $10.9M | $683K | 6.1% |
| 722515 | Snack and Nonalcoholic Beverage Bars | 16 | $6.0M | $377K | 6.1% |
| 446120 | Cosmetics, Beauty Supplies, and Perfume Stores | 8 | $936K | $117K | 3.0% |
| 722511 | Full-Service Restaurants | 8 | $7.2M | $900K | 3.0% |
| 621399 | Offices of All Other Miscellaneous Health Practitioners | 8 | $2.3M | $284K | 3.0% |
| 531120 | Lessors of Nonresidential Buildings (except Miniwarehouses) | 8 | $2.2M | $270K | 3.0% |
Geographic Distribution
SBA lending activity for Prosperity Bank by state
| State | Loans | Volume | Share |
|---|---|---|---|
| Texas (TX) | 264 | $153.6M | 100.0% |
Why Choose Prosperity Bank?
Based on SBA 7(a) lending track record from 2020-2025
- ✓Proven Track Record: 264 SBA loans approved, totaling $153.6M in financing
- ✓Industry Expertise: Specialized focus on Medical Laboratories, Other Electric Power Generation, Offices of Physicians (except Mental Health Specialists)
- ✓Competitive Terms: Average interest rate of 5.99% with flexible term lengths averaging 100 months
- ✓Loan Range: Loan sizes from $87K to $1.7M, with an average of $582K
- ✓Nationwide Reach: Active lending in 1 states, with strong presence in 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 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 medical laboratories, other electric power generation, offices of physicians (except mental health specialists), limited-service restaurants. 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 5.99% and average term length of 100 months (approximately 8 years). Loan sizes range from $87K to $1.7M, with an average loan size of $582K.
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 264 SBA loans totaling $153.6M 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 Prosperity Bank lend in?
Prosperity Bank provides SBA 7(a) financing with particularly strong presence in TX. 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?
Professional valuations are often required for SBA loans over $250,000.
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