T Bank, National Association
SBA 7(a) Lending Profile · FY 2021 analysis
Industry Focus
Top industries served by T Bank, National Association
| NAICS | Industry | Loans | Volume | Avg Loan | Share |
|---|---|---|---|---|---|
| 457110 | Other | 216 | $507.9M | $2.4M | 6.9% |
| 447110 | Gasoline Stations with Convenience Stores | 200 | $420.0M | $2.1M | 6.4% |
| 624410 | Child Day Care Services | 152 | $199.5M | $1.3M | 4.8% |
| 722511 | Full-Service Restaurants | 128 | $154.9M | $1.2M | 4.1% |
| 811111 | General Automotive Repair | 96 | $129.6M | $1.4M | 3.1% |
| 722513 | Limited-Service Restaurants | 88 | $144.4M | $1.6M | 2.8% |
| 238220 | Plumbing, Heating, and Air-Conditioning Contractors | 72 | $151.4M | $2.1M | 2.3% |
| 811192 | Car Washes | 72 | $170.2M | $2.4M | 2.3% |
| 238990 | All Other Specialty Trade Contractors | 64 | $70.0M | $1.1M | 2.0% |
| 444180 | Other | 56 | $87.6M | $1.6M | 1.8% |
Geographic Distribution
SBA lending activity for T Bank, National Association by state
| State | Loans | Volume | Share |
|---|---|---|---|
| Texas (TX) | 1,264 | $2.06B | 40.2% |
| Utah (UT) | 296 | $429.3M | 9.4% |
| California (CA) | 144 | $306.7M | 4.6% |
| Colorado (CO) | 184 | $246.5M | 5.9% |
| Florida (FL) | 128 | $237.8M | 4.1% |
| Arizona (AZ) | 152 | $223.0M | 4.8% |
| Wisconsin (WI) | 88 | $157.2M | 2.8% |
| Nevada (NV) | 80 | $132.9M | 2.5% |
| Illinois (IL) | 56 | $129.6M | 1.8% |
| Oklahoma (OK) | 80 | $125.9M | 2.5% |
| Arkansas (AR) | 32 | $117.2M | 1.0% |
| New Jersey (NJ) | 40 | $116.7M | 1.3% |
| Minnesota (MN) | 24 | $82.2M | 0.8% |
| Georgia (GA) | 56 | $78.7M | 1.8% |
| Washington (WA) | 40 | $62.5M | 1.3% |
| Oregon (OR) | 48 | $61.3M | 1.5% |
| Ohio (OH) | 24 | $58.4M | 0.8% |
| Maryland (MD) | 32 | $52.3M | 1.0% |
| Massachusetts (MA) | 40 | $48.9M | 1.3% |
| New York (NY) | 24 | $48.7M | 0.8% |
| Virginia (VA) | 24 | $47.4M | 0.8% |
| Tennessee (TN) | 32 | $42.5M | 1.0% |
| North Carolina (NC) | 32 | $39.8M | 1.0% |
| Iowa (IA) | 24 | $32.7M | 0.8% |
| PR (PR) | 8 | $29.7M | 0.3% |
| New Hampshire (NH) | 8 | $28.8M | 0.3% |
| Kansas (KS) | 16 | $27.4M | 0.5% |
| Montana (MT) | 8 | $26.9M | 0.3% |
| Pennsylvania (PA) | 8 | $22.0M | 0.3% |
| New Mexico (NM) | 24 | $20.0M | 0.8% |
| Hawaii (HI) | 8 | $19.9M | 0.3% |
| Kentucky (KY) | 16 | $17.9M | 0.5% |
| South Carolina (SC) | 8 | $15.6M | 0.3% |
| Louisiana (LA) | 16 | $15.1M | 0.5% |
| Alabama (AL) | 8 | $10.0M | 0.3% |
| Idaho (ID) | 16 | $9.8M | 0.5% |
| South Dakota (SD) | 8 | $8.8M | 0.3% |
| Maine (ME) | 8 | $8.3M | 0.3% |
| Missouri (MO) | 8 | $6.2M | 0.3% |
| Indiana (IN) | 16 | $5.3M | 0.5% |
| West Virginia (WV) | 8 | $3.1M | 0.3% |
| Wyoming (WY) | 8 | $2.9M | 0.3% |
Why Choose T Bank, National Association?
Based on SBA 7(a) lending track record from 2020-2025
- ✓Proven Track Record: 3,144 SBA loans approved, totaling $5.22B in financing
- ✓Industry Expertise: Specialized focus on Other, Gasoline Stations with Convenience Stores, Child Day Care Services
- ✓Competitive Terms: Average interest rate of 8.65% with flexible term lengths averaging 190 months
- ✓Loan Range: Loan sizes from $25K to $5.0M, with an average of $1.7M
- ✓Nationwide Reach: Active lending in 42 states, with strong presence in TX, UT, CO
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 T Bank, National Association SBA lending
What types of businesses does T Bank, National Association typically finance?
T Bank, National Association specializes in SBA 7(a) lending to specific industries including other, gasoline stations with convenience stores, child day care services, full-service restaurants. They have developed expertise in these sectors and understand the unique financial characteristics of each industry.
What are T Bank, National Association's typical SBA loan terms?
T Bank, National Association's SBA 7(a) loans typically feature an average interest rate of 8.65% and average term length of 190 months (approximately 16 years). Loan sizes range from $25K to $5.0M, with an average loan size of $1.7M.
Do I need a business valuation for a T Bank, National Association SBA loan?
Yes, T Bank, National Association 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 T Bank, National Association compare to other SBA lenders?
T Bank, National Association has originated 3,144 SBA loans totaling $5.22B 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 T Bank, National Association lend in?
T Bank, National Association provides SBA 7(a) financing with particularly strong presence in TX, UT, CO, AZ, CA. 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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