Royal Business Bank
SBA 7(a) Lending Profile · FY 2026 analysis
Industry Focus
Top industries served by Royal Business Bank
| NAICS | Industry | Loans | Volume | Avg Loan | Share |
|---|---|---|---|---|---|
| 722513 | Limited-Service Restaurants | 128 | $98.9M | $772K | 16.3% |
| 445320 | Other | 112 | $58.0M | $518K | 14.3% |
| 722511 | Full-Service Restaurants | 72 | $59.0M | $819K | 9.2% |
| 721110 | Hotels (except Casino Hotels) and Motels | 64 | $237.0M | $3.7M | 8.2% |
| 445310 | Beer, Wine, and Liquor Stores | 48 | $46.5M | $968K | 6.1% |
| 446110 | Pharmacies and Drug Stores | 24 | $9.6M | $400K | 3.1% |
| 447110 | Gasoline Stations with Convenience Stores | 16 | $46.2M | $2.9M | 2.0% |
| 445299 | All Other Specialty Food Stores | 16 | $30.2M | $1.9M | 2.0% |
| 722515 | Snack and Nonalcoholic Beverage Bars | 16 | $12.1M | $759K | 2.0% |
| 812113 | Nail Salons | 16 | $4.8M | $300K | 2.0% |
Geographic Distribution
SBA lending activity for Royal Business Bank by state
| State | Loans | Volume | Share |
|---|---|---|---|
| California (CA) | 600 | $643.0M | 76.5% |
| Nevada (NV) | 64 | $88.0M | 8.2% |
| New York (NY) | 48 | $65.4M | 6.1% |
| Oregon (OR) | 16 | $61.3M | 2.0% |
| Washington (WA) | 16 | $56.7M | 2.0% |
| Arizona (AZ) | 8 | $40.0M | 1.0% |
| New Jersey (NJ) | 24 | $34.6M | 3.1% |
| Montana (MT) | 8 | $14.2M | 1.0% |
Why Choose Royal Business Bank?
Based on SBA 7(a) lending track record from 2020-2025
- ✓Proven Track Record: 784 SBA loans approved, totaling $1.00B in financing
- ✓Industry Expertise: Specialized focus on Limited-Service Restaurants, Other, Full-Service Restaurants
- ✓Competitive Terms: Average interest rate of 7.98% with flexible term lengths averaging 200 months
- ✓Loan Range: Loan sizes from $115K to $5.0M, with an average of $1.3M
- ✓Nationwide Reach: Active lending in 8 states, with strong presence in CA, NV, NY
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 Royal Business Bank SBA lending
What types of businesses does Royal Business Bank typically finance?
Royal Business Bank specializes in SBA 7(a) lending to specific industries including limited-service restaurants, other, full-service restaurants, hotels (except casino hotels) and motels. They have developed expertise in these sectors and understand the unique financial characteristics of each industry.
What are Royal Business Bank's typical SBA loan terms?
Royal Business Bank's SBA 7(a) loans typically feature an average interest rate of 7.98% and average term length of 200 months (approximately 17 years). Loan sizes range from $115K to $5.0M, with an average loan size of $1.3M.
Do I need a business valuation for a Royal Business Bank SBA loan?
Yes, Royal Business 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 Royal Business Bank compare to other SBA lenders?
Royal Business Bank has originated 784 SBA loans totaling $1.00B 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 Royal Business Bank lend in?
Royal Business Bank provides SBA 7(a) financing with particularly strong presence in CA, NV, NY, NJ, OR. 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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