Stellar Bank
SBA 7(a) Lending Profile · All Time analysis
Industry Focus
Top industries served by Stellar Bank · All Time
| NAICS | Industry | Loans | Volume | Avg Loan | Share |
|---|---|---|---|---|---|
| 811111 | General Automotive Repair | 81 | $35.6M | $439K | 11.9% |
| 722513 | Limited-Service Restaurants | 44 | $29.9M | $679K | 6.5% |
| 624410 | Child Care Services | 38 | $53.1M | $1.4M | 5.6% |
| 722511 | Full-Service Restaurants | 34 | $31.0M | $910K | 5.0% |
| 811192 | Car Washes | 16 | $27.0M | $1.7M | 2.4% |
| 713940 | Fitness and Recreational Sports Centers | 14 | $18.1M | $1.3M | 2.1% |
| 812320 | Drycleaning and Laundry Services (except Coin-Operated) | 12 | $8.5M | $712K | 1.8% |
| 611620 | Sports and Recreation Instruction | 11 | $6.2M | $564K | 1.6% |
| 238220 | Plumbing, Heating, and Air-Conditioning Contractors | 11 | $7.4M | $676K | 1.6% |
| 561730 | Landscaping Services | 10 | $7.0M | $704K | 1.5% |
Geographic Distribution
SBA lending activity for Stellar Bank by state
| State | Loans | Volume | Share |
|---|---|---|---|
| Texas (TX) | 645 | $571.9M | 94.9% |
| Oklahoma (OK) | 7 | $5.4M | 1.0% |
| Georgia (GA) | 6 | $1.7M | 0.9% |
| Louisiana (LA) | 1 | $1.3M | 0.1% |
| Colorado (CO) | 4 | $1.2M | 0.6% |
| Missouri (MO) | 3 | $1.1M | 0.4% |
| Kansas (KS) | 3 | $837K | 0.4% |
| Florida (FL) | 3 | $827K | 0.4% |
| Tennessee (TN) | 2 | $518K | 0.3% |
| Arkansas (AR) | 2 | $494K | 0.3% |
| North Carolina (NC) | 1 | $350K | 0.1% |
| Michigan (MI) | 1 | $309K | 0.1% |
| South Carolina (SC) | 1 | $275K | 0.1% |
| Alabama (AL) | 1 | $274K | 0.1% |
Why Choose Stellar Bank?
Based on SBA 7(a) lending track record from 1992-2025
- ✓Proven Track Record: 680 SBA loans approved, totaling $586.6M in financing
- ✓Industry Expertise: Specialized focus on General Automotive Repair, Limited-Service Restaurants, Child Care Services
- ✓Competitive Terms: Average interest rate of 6.23% with flexible term lengths averaging 162 months
- ✓Loan Range: Loan sizes from $15K to $5.0M, with an average of $863K
- ✓Nationwide Reach: Active lending in 14 states, with strong presence in TX, OK, GA
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 Stellar Bank SBA lending
What types of businesses does Stellar Bank typically finance?
Stellar Bank specializes in SBA 7(a) lending to specific industries including general automotive repair, limited-service restaurants, child care services, full-service restaurants. They have developed expertise in these sectors and understand the unique financial characteristics of each industry.
What are Stellar Bank's typical SBA loan terms?
Stellar Bank's SBA 7(a) loans typically feature an average interest rate of 6.23% and average term length of 162 months (approximately 14 years). Loan sizes range from $15K to $5.0M, with an average loan size of $863K.
Do I need a business valuation for a Stellar Bank SBA loan?
Yes, Stellar 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 Stellar Bank compare to other SBA lenders?
Stellar Bank has originated 680 SBA loans totaling $586.6M since 1992. 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 Stellar Bank lend in?
Stellar Bank provides SBA 7(a) financing with particularly strong presence in TX, OK, GA, CO, KS. 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?
Certified valuations are often required for SBA loans over $250,000.
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