Southwestern National Bank
SBA 7(a) Lending Profile · FY 2023 analysis
Industry Focus
Top industries served by Southwestern National Bank
| NAICS | Industry | Loans | Volume | Avg Loan | Share |
|---|---|---|---|---|---|
| 457110 | Other | 368 | $793.9M | $2.2M | 21.4% |
| 447110 | Gasoline Stations with Convenience Stores | 184 | $353.2M | $1.9M | 10.7% |
| 721110 | Hotels (except Casino Hotels) and Motels | 168 | $452.3M | $2.7M | 9.8% |
| 722511 | Full-Service Restaurants | 128 | $154.9M | $1.2M | 7.4% |
| 445320 | Other | 104 | $71.9M | $691K | 6.0% |
| 722513 | Limited-Service Restaurants | 72 | $43.9M | $610K | 4.2% |
| 445131 | Other | 64 | $60.7M | $948K | 3.7% |
| 445110 | Supermarkets and Other Grocery (except Convenience) Stores | 56 | $59.5M | $1.1M | 3.3% |
| 423990 | Other Miscellaneous Durable Goods Merchant Wholesalers | 40 | $60.9M | $1.5M | 2.3% |
| 811192 | Car Washes | 32 | $89.3M | $2.8M | 1.9% |
Geographic Distribution
SBA lending activity for Southwestern National Bank by state
| State | Loans | Volume | Share |
|---|---|---|---|
| Texas (TX) | 704 | $1.17B | 40.9% |
| California (CA) | 632 | $958.5M | 36.7% |
| Washington (WA) | 144 | $271.9M | 8.4% |
| Idaho (ID) | 40 | $81.3M | 2.3% |
| Oklahoma (OK) | 32 | $66.7M | 1.9% |
| Ohio (OH) | 24 | $64.6M | 1.4% |
| Colorado (CO) | 16 | $39.9M | 0.9% |
| Oregon (OR) | 32 | $33.6M | 1.9% |
| Kansas (KS) | 8 | $28.9M | 0.5% |
| Pennsylvania (PA) | 8 | $17.4M | 0.5% |
| Arizona (AZ) | 8 | $16.0M | 0.5% |
| Florida (FL) | 8 | $11.9M | 0.5% |
| Georgia (GA) | 8 | $10.9M | 0.5% |
| Illinois (IL) | 16 | $9.9M | 0.9% |
| New York (NY) | 8 | $9.0M | 0.5% |
| Mississippi (MS) | 8 | $6.6M | 0.5% |
| Louisiana (LA) | 8 | $4.5M | 0.5% |
| Nevada (NV) | 8 | $4.0M | 0.5% |
| Hawaii (HI) | 8 | $4.0M | 0.5% |
Why Choose Southwestern National Bank?
Based on SBA 7(a) lending track record from 2020-2025
- ✓Proven Track Record: 1,720 SBA loans approved, totaling $2.81B in financing
- ✓Industry Expertise: Specialized focus on Other, Gasoline Stations with Convenience Stores, Hotels (except Casino Hotels) and Motels
- ✓Competitive Terms: Average interest rate of 8.46% with flexible term lengths averaging 254 months
- ✓Loan Range: Loan sizes from $150K to $5.0M, with an average of $1.6M
- ✓Nationwide Reach: Active lending in 19 states, with strong presence in TX, CA, WA
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 Southwestern National Bank SBA lending
What types of businesses does Southwestern National Bank typically finance?
Southwestern National Bank specializes in SBA 7(a) lending to specific industries including other, gasoline stations with convenience stores, hotels (except casino hotels) and motels, full-service restaurants. They have developed expertise in these sectors and understand the unique financial characteristics of each industry.
What are Southwestern National Bank's typical SBA loan terms?
Southwestern National Bank's SBA 7(a) loans typically feature an average interest rate of 8.46% and average term length of 254 months (approximately 21 years). Loan sizes range from $150K to $5.0M, with an average loan size of $1.6M.
Do I need a business valuation for a Southwestern National Bank SBA loan?
Yes, Southwestern National 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 Southwestern National Bank compare to other SBA lenders?
Southwestern National Bank has originated 1,720 SBA loans totaling $2.81B 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 Southwestern National Bank lend in?
Southwestern National Bank provides SBA 7(a) financing with particularly strong presence in TX, CA, WA, ID, OK. 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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