Studio Bank
SBA 7(a) Lending Profile · FY 2022 analysis
Industry Focus
Top industries served by Studio Bank
| NAICS | Industry | Loans | Volume | Avg Loan | Share |
|---|---|---|---|---|---|
| 722511 | Full-Service Restaurants | 16 | $23.4M | $1.5M | 16.7% |
| 722515 | Snack and Nonalcoholic Beverage Bars | 16 | $5.4M | $338K | 16.7% |
| 722410 | Drinking Places (Alcoholic Beverages) | 8 | $2.2M | $270K | 8.3% |
| 112920 | Horse and Other Equine Production | 8 | $11.0M | $1.4M | 8.3% |
| 311920 | Coffee and Tea Manufacturing | 8 | $12.3M | $1.5M | 8.3% |
| 532490 | Other Commercial and Industrial Machinery and Equipment Rental and Lea | 8 | $12.0M | $1.5M | 8.3% |
| 238210 | Electrical Contractors | 8 | $4.6M | $580K | 8.3% |
| 335139 | Electric Lamp Bulb and Other Lighting Equipment Manufacturing | 8 | $4.8M | $599K | 8.3% |
| 238320 | Painting and Wall Covering Contractors | 8 | $7.5M | $932K | 8.3% |
| 532420 | Office Machinery and Equipment Rental and Leasing | 8 | $17.4M | $2.2M | 8.3% |
Geographic Distribution
SBA lending activity for Studio Bank by state
| State | Loans | Volume | Share |
|---|---|---|---|
| Tennessee (TN) | 72 | $73.9M | 75.0% |
| Florida (FL) | 16 | $23.4M | 16.7% |
| Illinois (IL) | 8 | $3.2M | 8.3% |
Why Choose Studio Bank?
Based on SBA 7(a) lending track record from 2020-2025
- ✓Proven Track Record: 96 SBA loans approved, totaling $100.5M in financing
- ✓Industry Expertise: Specialized focus on Full-Service Restaurants, Snack and Nonalcoholic Beverage Bars, Drinking Places (Alcoholic Beverages)
- ✓Competitive Terms: Average interest rate of 9.23% with flexible term lengths averaging 168 months
- ✓Loan Range: Loan sizes from $270K to $2.2M, with an average of $1.0M
- ✓Nationwide Reach: Active lending in 3 states, with strong presence in TN, FL, IL
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 Studio Bank SBA lending
What types of businesses does Studio Bank typically finance?
Studio Bank specializes in SBA 7(a) lending to specific industries including full-service restaurants, snack and nonalcoholic beverage bars, drinking places (alcoholic beverages), horse and other equine production. They have developed expertise in these sectors and understand the unique financial characteristics of each industry.
What are Studio Bank's typical SBA loan terms?
Studio Bank's SBA 7(a) loans typically feature an average interest rate of 9.23% and average term length of 168 months (approximately 14 years). Loan sizes range from $270K to $2.2M, with an average loan size of $1.0M.
Do I need a business valuation for a Studio Bank SBA loan?
Yes, Studio 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 Studio Bank compare to other SBA lenders?
Studio Bank has originated 96 SBA loans totaling $100.5M 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 Studio Bank lend in?
Studio Bank provides SBA 7(a) financing with particularly strong presence in TN, FL, IL. 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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