Texas Capital Bank
SBA 7(a) Lending Profile · FY 2024 analysis
Industry Focus
Top industries served by Texas Capital Bank
| NAICS | Industry | Loans | Volume | Avg Loan | Share |
|---|---|---|---|---|---|
| 624410 | Child Day Care Services | 72 | $172.8M | $2.4M | 6.3% |
| 722511 | Full-Service Restaurants | 56 | $78.2M | $1.4M | 4.9% |
| 722513 | Limited-Service Restaurants | 32 | $28.8M | $900K | 2.8% |
| 623312 | Homes for the Elderly | 24 | $67.4M | $2.8M | 2.1% |
| 445291 | Baked Goods Stores | 24 | $11.0M | $457K | 2.1% |
| 337110 | Wood Kitchen Cabinet and Countertop Manufacturing | 24 | $43.7M | $1.8M | 2.1% |
| 484110 | General Freight Trucking, Local | 24 | $31.4M | $1.3M | 2.1% |
| 327211 | Flat Glass Manufacturing | 16 | $12.5M | $782K | 1.4% |
| 484121 | General Freight Trucking, Long Distance, Truckload | 16 | $21.9M | $1.4M | 1.4% |
| 531120 | Lessors of Nonresidential Buildings (except Miniwarehouses) | 16 | $22.3M | $1.4M | 1.4% |
Geographic Distribution
SBA lending activity for Texas Capital Bank by state
| State | Loans | Volume | Share |
|---|---|---|---|
| Texas (TX) | 1,016 | $1.48B | 89.4% |
| Florida (FL) | 16 | $55.4M | 1.4% |
| Illinois (IL) | 8 | $34.4M | 0.7% |
| California (CA) | 16 | $23.3M | 1.4% |
| Oregon (OR) | 16 | $22.1M | 1.4% |
| Nevada (NV) | 8 | $17.6M | 0.7% |
| Nebraska (NE) | 8 | $15.8M | 0.7% |
| Arizona (AZ) | 16 | $14.4M | 1.4% |
| Colorado (CO) | 16 | $8.7M | 1.4% |
| Virginia (VA) | 8 | $6.5M | 0.7% |
| Tennessee (TN) | 8 | $5.8M | 0.7% |
Why Choose Texas Capital Bank?
Based on SBA 7(a) lending track record from 2020-2025
- ✓Proven Track Record: 1,136 SBA loans approved, totaling $1.69B in financing
- ✓Industry Expertise: Specialized focus on Child Day Care Services, Full-Service Restaurants, Limited-Service Restaurants
- ✓Competitive Terms: Average interest rate of 7.10% with flexible term lengths averaging 187 months
- ✓Loan Range: Loan sizes from $217K to $4.8M, with an average of $1.5M
- ✓Nationwide Reach: Active lending in 11 states, with strong presence in TX, OR, AZ
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 Texas Capital Bank SBA lending
What types of businesses does Texas Capital Bank typically finance?
Texas Capital Bank specializes in SBA 7(a) lending to specific industries including child day care services, full-service restaurants, limited-service restaurants, homes for the elderly. They have developed expertise in these sectors and understand the unique financial characteristics of each industry.
What are Texas Capital Bank's typical SBA loan terms?
Texas Capital Bank's SBA 7(a) loans typically feature an average interest rate of 7.10% and average term length of 187 months (approximately 16 years). Loan sizes range from $217K to $4.8M, with an average loan size of $1.5M.
Do I need a business valuation for a Texas Capital Bank SBA loan?
Yes, Texas Capital 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 Texas Capital Bank compare to other SBA lenders?
Texas Capital Bank has originated 1,136 SBA loans totaling $1.69B 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 Texas Capital Bank lend in?
Texas Capital Bank provides SBA 7(a) financing with particularly strong presence in TX, OR, AZ, FL, CO. 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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