Stellar Bank
SBA 7(a) Lending Profile · FY 2026 analysis
Industry Focus
Top industries served by Stellar Bank
| NAICS | Industry | Loans | Volume | Avg Loan | Share |
|---|---|---|---|---|---|
| 722513 | Limited-Service Restaurants | 232 | $162.6M | $701K | 14.5% |
| 722511 | Full-Service Restaurants | 144 | $163.7M | $1.1M | 9.0% |
| 624410 | Child Day Care Services | 72 | $105.9M | $1.5M | 4.5% |
| 812320 | Drycleaning and Laundry Services (except Coin-Operated) | 40 | $28.9M | $721K | 2.5% |
| 811192 | Car Washes | 40 | $39.0M | $976K | 2.5% |
| 447110 | Gasoline Stations with Convenience Stores | 32 | $51.7M | $1.6M | 2.0% |
| 713990 | All Other Amusement and Recreation Industries | 32 | $49.6M | $1.6M | 2.0% |
| 713940 | Fitness and Recreational Sports Centers | 32 | $48.4M | $1.5M | 2.0% |
| 812990 | All Other Personal Services | 32 | $44.8M | $1.4M | 2.0% |
| 621111 | Offices of Physicians (except Mental Health Specialists) | 32 | $29.2M | $913K | 2.0% |
Geographic Distribution
SBA lending activity for Stellar Bank by state
| State | Loans | Volume | Share |
|---|---|---|---|
| Texas (TX) | 1,592 | $1.87B | 99.5% |
| Oklahoma (OK) | 8 | $29.6M | 0.5% |
Why Choose Stellar Bank?
Based on SBA 7(a) lending track record from 2020-2025
- ✓Proven Track Record: 1,600 SBA loans approved, totaling $1.90B in financing
- ✓Industry Expertise: Specialized focus on Limited-Service Restaurants, Full-Service Restaurants, Child Day Care Services
- ✓Competitive Terms: Average interest rate of 6.86% with flexible term lengths averaging 176 months
- ✓Loan Range: Loan sizes from $50K to $5.0M, with an average of $1.2M
- ✓Nationwide Reach: Active lending in 2 states, with strong presence in TX, OK
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 limited-service restaurants, full-service restaurants, child day care services, drycleaning and laundry services (except coin-operated). 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 6.86% and average term length of 176 months (approximately 15 years). Loan sizes range from $50K to $5.0M, with an average loan size of $1.2M.
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 1,600 SBA loans totaling $1.90B 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 Stellar Bank lend in?
Stellar Bank provides SBA 7(a) financing with particularly strong presence in TX, 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.
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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