Regent Bank
SBA 7(a) Lending Profile · FY 2023 analysis
Industry Focus
Top industries served by Regent Bank
| NAICS | Industry | Loans | Volume | Avg Loan | Share |
|---|---|---|---|---|---|
| 713940 | Fitness and Recreational Sports Centers | 104 | $31.5M | $303K | 5.7% |
| 812990 | All Other Personal Services | 104 | $25.5M | $245K | 5.7% |
| 722511 | Full-Service Restaurants | 104 | $66.0M | $634K | 5.7% |
| 621210 | Offices of Dentists | 80 | $221.7M | $2.8M | 4.4% |
| 445320 | Other | 80 | $59.3M | $741K | 4.4% |
| 722513 | Limited-Service Restaurants | 64 | $40.0M | $625K | 3.5% |
| 237990 | Other Heavy and Civil Engineering Construction | 48 | $11.0M | $230K | 2.6% |
| 811111 | General Automotive Repair | 40 | $34.3M | $859K | 2.2% |
| 624410 | Child Day Care Services | 40 | $13.2M | $329K | 2.2% |
| 115210 | Support Activities for Animal Production | 40 | $6.1M | $153K | 2.2% |
Geographic Distribution
SBA lending activity for Regent Bank by state
| State | Loans | Volume | Share |
|---|---|---|---|
| Missouri (MO) | 1,072 | $574.4M | 58.8% |
| Oklahoma (OK) | 480 | $240.8M | 26.3% |
| Colorado (CO) | 24 | $57.6M | 1.3% |
| Idaho (ID) | 24 | $48.1M | 1.3% |
| Iowa (IA) | 32 | $43.3M | 1.8% |
| Virginia (VA) | 8 | $37.1M | 0.4% |
| Texas (TX) | 48 | $36.4M | 2.6% |
| Tennessee (TN) | 16 | $34.5M | 0.9% |
| Kansas (KS) | 48 | $24.2M | 2.6% |
| Maryland (MD) | 8 | $19.7M | 0.4% |
| Florida (FL) | 32 | $10.5M | 1.8% |
| Utah (UT) | 8 | $4.3M | 0.4% |
| Michigan (MI) | 8 | $2.7M | 0.4% |
| Arkansas (AR) | 16 | $513K | 0.9% |
Why Choose Regent Bank?
Based on SBA 7(a) lending track record from 2020-2025
- ✓Proven Track Record: 1,824 SBA loans approved, totaling $1.13B in financing
- ✓Industry Expertise: Specialized focus on Fitness and Recreational Sports Centers, All Other Personal Services, Full-Service Restaurants
- ✓Competitive Terms: Average interest rate of 7.76% with flexible term lengths averaging 142 months
- ✓Loan Range: Loan sizes from $25K to $4.6M, with an average of $622K
- ✓Nationwide Reach: Active lending in 14 states, with strong presence in MO, OK, 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 Regent Bank SBA lending
What types of businesses does Regent Bank typically finance?
Regent Bank specializes in SBA 7(a) lending to specific industries including fitness and recreational sports centers, all other personal services, full-service restaurants, offices of dentists. They have developed expertise in these sectors and understand the unique financial characteristics of each industry.
What are Regent Bank's typical SBA loan terms?
Regent Bank's SBA 7(a) loans typically feature an average interest rate of 7.76% and average term length of 142 months (approximately 12 years). Loan sizes range from $25K to $4.6M, with an average loan size of $622K.
Do I need a business valuation for a Regent Bank SBA loan?
Yes, Regent 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 Regent Bank compare to other SBA lenders?
Regent Bank has originated 1,824 SBA loans totaling $1.13B 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 Regent Bank lend in?
Regent Bank provides SBA 7(a) financing with particularly strong presence in MO, OK, TX, KS, FL. 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.
Get your certified valuation from Fair Market Value.