Stone Bank
SBA 7(a) Lending Profile · All Time analysis
Industry Focus
Top industries served by Stone Bank · All Time
| NAICS | Industry | Loans | Volume | Avg Loan | Share |
|---|---|---|---|---|---|
| 811192 | Car Washes | 22 | $67.6M | $3.1M | 4.2% |
| 722513 | Limited-Service Restaurants | 13 | $7.0M | $540K | 2.5% |
| 624410 | Child Care Services | 12 | $14.5M | $1.2M | 2.3% |
| 722511 | Full-Service Restaurants | 12 | $16.0M | $1.3M | 2.3% |
| 721110 | Hotels (except Casino Hotels) and Motels | 10 | $28.8M | $2.9M | 1.9% |
| 713940 | Fitness and Recreational Sports Centers | 10 | $6.4M | $637K | 1.9% |
| 811111 | General Automotive Repair | 10 | $6.1M | $611K | 1.9% |
| 484121 | General Freight Trucking, Long-Distance, Truckload | 10 | $2.7M | $266K | 1.9% |
| 524210 | Insurance Agencies and Brokerages | 9 | $1.5M | $167K | 1.7% |
| 112320 | Broilers and Other Meat Type Chicken Production | 9 | $8.1M | $900K | 1.7% |
Geographic Distribution
SBA lending activity for Stone Bank by state
| State | Loans | Volume | Share |
|---|---|---|---|
| Florida (FL) | 136 | $123.0M | 25.9% |
| Texas (TX) | 39 | $35.5M | 7.4% |
| Louisiana (LA) | 21 | $35.3M | 4.0% |
| Arkansas (AR) | 44 | $35.2M | 8.4% |
| California (CA) | 44 | $19.6M | 8.4% |
| New York (NY) | 26 | $19.2M | 4.9% |
| Pennsylvania (PA) | 17 | $14.3M | 3.2% |
| Utah (UT) | 6 | $13.8M | 1.1% |
| Tennessee (TN) | 13 | $13.7M | 2.5% |
| North Carolina (NC) | 12 | $12.7M | 2.3% |
| Georgia (GA) | 18 | $12.3M | 3.4% |
| Mississippi (MS) | 6 | $10.8M | 1.1% |
| Alabama (AL) | 5 | $8.6M | 1.0% |
| Idaho (ID) | 2 | $8.1M | 0.4% |
| Virginia (VA) | 13 | $7.8M | 2.5% |
| New Jersey (NJ) | 12 | $7.7M | 2.3% |
| Michigan (MI) | 8 | $7.6M | 1.5% |
| VI (VI) | 4 | $6.1M | 0.8% |
| Montana (MT) | 2 | $5.5M | 0.4% |
| Missouri (MO) | 5 | $5.5M | 1.0% |
| South Carolina (SC) | 4 | $5.3M | 0.8% |
| Colorado (CO) | 12 | $5.1M | 2.3% |
| Kentucky (KY) | 1 | $5.0M | 0.2% |
| Maryland (MD) | 4 | $4.2M | 0.8% |
| Nevada (NV) | 3 | $4.0M | 0.6% |
| West Virginia (WV) | 1 | $3.8M | 0.2% |
| Ohio (OH) | 4 | $3.5M | 0.8% |
| Maine (ME) | 1 | $3.5M | 0.2% |
| Washington (WA) | 5 | $3.1M | 1.0% |
| Illinois (IL) | 10 | $2.9M | 1.9% |
| Minnesota (MN) | 4 | $2.8M | 0.8% |
| Connecticut (CT) | 4 | $2.5M | 0.8% |
| Arizona (AZ) | 4 | $2.5M | 0.8% |
| New Mexico (NM) | 4 | $2.4M | 0.8% |
| New Hampshire (NH) | 4 | $2.3M | 0.8% |
| Indiana (IN) | 3 | $2.2M | 0.6% |
| Oregon (OR) | 3 | $2.0M | 0.6% |
| Kansas (KS) | 3 | $1.9M | 0.6% |
| Wisconsin (WI) | 4 | $1.3M | 0.8% |
| Massachusetts (MA) | 7 | $1.3M | 1.3% |
| District of Columbia (DC) | 2 | $250K | 0.4% |
| Oklahoma (OK) | 2 | $225K | 0.4% |
| Hawaii (HI) | 1 | $150K | 0.2% |
| Alaska (AK) | 1 | $150K | 0.2% |
| Delaware (DE) | 1 | $150K | 0.2% |
| Wyoming (WY) | 1 | $150K | 0.2% |
Why Choose Stone Bank?
Based on SBA 7(a) lending track record from 1995-2025
- ✓Proven Track Record: 526 SBA loans approved, totaling $464.9M in financing
- ✓Industry Expertise: Specialized focus on Car Washes, Limited-Service Restaurants, Child Care Services
- ✓Competitive Terms: Average interest rate of 8.64% with flexible term lengths averaging 177 months
- ✓Loan Range: Loan sizes from $25K to $5.0M, with an average of $884K
- ✓Nationwide Reach: Active lending in 46 states, with strong presence in FL, CA, AR
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 Stone Bank SBA lending
What types of businesses does Stone Bank typically finance?
Stone Bank specializes in SBA 7(a) lending to specific industries including car washes, 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 Stone Bank's typical SBA loan terms?
Stone Bank's SBA 7(a) loans typically feature an average interest rate of 8.64% and average term length of 177 months (approximately 15 years). Loan sizes range from $25K to $5.0M, with an average loan size of $884K.
Do I need a business valuation for a Stone Bank SBA loan?
Yes, Stone 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 Stone Bank compare to other SBA lenders?
Stone Bank has originated 526 SBA loans totaling $464.9M since 1995. 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 Stone Bank lend in?
Stone Bank provides SBA 7(a) financing with particularly strong presence in FL, CA, AR, TX, NY. 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?
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