R Bank
SBA 7(a) Lending Profile · FY 2024 analysis
Industry Focus
Top industries served by R Bank
| NAICS | Industry | Loans | Volume | Avg Loan | Share |
|---|---|---|---|---|---|
| 722513 | Limited-Service Restaurants | 24 | $10.3M | $429K | 9.1% |
| 561110 | Office Administrative Services | 16 | $1.7M | $105K | 6.1% |
| 238290 | Other Building Equipment Contractors | 16 | $10.4M | $650K | 6.1% |
| 811490 | Other Personal and Household Goods Repair and Maintenance | 16 | $4.5M | $281K | 6.1% |
| 541940 | Veterinary Services | 16 | $21.8M | $1.4M | 6.1% |
| 446191 | Food (Health) Supplement Stores | 8 | $1.5M | $184K | 3.0% |
| 441110 | New Car Dealers | 8 | $7.8M | $976K | 3.0% |
| 621320 | Offices of Optometrists | 8 | $4.8M | $600K | 3.0% |
| 524210 | Insurance Agencies and Brokerages | 8 | $851K | $106K | 3.0% |
| 339950 | Sign Manufacturing | 8 | $14.0M | $1.8M | 3.0% |
Geographic Distribution
SBA lending activity for R Bank by state
| State | Loans | Volume | Share |
|---|---|---|---|
| Texas (TX) | 264 | $207.0M | 100.0% |
Why Choose R Bank?
Based on SBA 7(a) lending track record from 2020-2025
- ✓Proven Track Record: 264 SBA loans approved, totaling $207.0M in financing
- ✓Industry Expertise: Specialized focus on Limited-Service Restaurants, Office Administrative Services, Other Building Equipment Contractors
- ✓Competitive Terms: Average interest rate of 6.55% with flexible term lengths averaging 148 months
- ✓Loan Range: Loan sizes from $50K to $3.0M, with an average of $784K
- ✓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 R Bank SBA lending
What types of businesses does R Bank typically finance?
R Bank specializes in SBA 7(a) lending to specific industries including limited-service restaurants, office administrative services, other building equipment contractors, other personal and household goods repair and maintenance. They have developed expertise in these sectors and understand the unique financial characteristics of each industry.
What are R Bank's typical SBA loan terms?
R Bank's SBA 7(a) loans typically feature an average interest rate of 6.55% and average term length of 148 months (approximately 12 years). Loan sizes range from $50K to $3.0M, with an average loan size of $784K.
Do I need a business valuation for a R Bank SBA loan?
Yes, R 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 R Bank compare to other SBA lenders?
R Bank has originated 264 SBA loans totaling $207.0M 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 R Bank lend in?
R 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.
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