Texas First Bank
SBA 7(a) Lending Profile · All Time analysis
Industry Focus
Top industries served by Texas First Bank · All Time
| NAICS | Industry | Loans | Volume | Avg Loan | Share |
|---|---|---|---|---|---|
| 621111 | Offices of Physicians (except Mental Health Specialists) | 19 | $6.2M | $326K | 8.1% |
| 811111 | General Automotive Repair | 14 | $3.9M | $276K | 5.9% |
| 624410 | Child Care Services | 13 | $2.7M | $210K | 5.5% |
| 811192 | Car Washes | 10 | $2.6M | $261K | 4.2% |
| 811191 | Automotive Oil Change and Lubrication Shops | 8 | $9.6M | $1.2M | 3.4% |
| 621210 | Offices of Dentists | 6 | $3.0M | $503K | 2.5% |
| 213112 | Support Activities for Oil and Gas Operations | 5 | $2.5M | $505K | 2.1% |
| 611620 | Sports and Recreation Instruction | 4 | $944K | $236K | 1.7% |
| 811121 | Automotive Body, Paint, and Interior Repair and Maintenance | 3 | $453K | $151K | 1.3% |
| 722511 | Full-Service Restaurants | 3 | $1.2M | $384K | 1.3% |
Geographic Distribution
SBA lending activity for Texas First Bank by state
| State | Loans | Volume | Share |
|---|---|---|---|
| Texas (TX) | 235 | $84.7M | 99.6% |
| California (CA) | 1 | $228K | 0.4% |
Why Choose Texas First Bank?
Based on SBA 7(a) lending track record from 1991-2025
- ✓Proven Track Record: 236 SBA loans approved, totaling $84.9M in financing
- ✓Industry Expertise: Specialized focus on Offices of Physicians (except Mental Health Specialists), General Automotive Repair, Child Care Services
- ✓Competitive Terms: Average interest rate of 6.30% with flexible term lengths averaging 122 months
- ✓Loan Range: Loan sizes from $25K to $3.9M, with an average of $360K
- ✓Nationwide Reach: Active lending in 2 states, with strong presence in TX, CA
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 First Bank SBA lending
What types of businesses does Texas First Bank typically finance?
Texas First Bank specializes in SBA 7(a) lending to specific industries including offices of physicians (except mental health specialists), general automotive repair, child care services, car washes. They have developed expertise in these sectors and understand the unique financial characteristics of each industry.
What are Texas First Bank's typical SBA loan terms?
Texas First Bank's SBA 7(a) loans typically feature an average interest rate of 6.30% and average term length of 122 months (approximately 10 years). Loan sizes range from $25K to $3.9M, with an average loan size of $360K.
Do I need a business valuation for a Texas First Bank SBA loan?
Yes, Texas First 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 First Bank compare to other SBA lenders?
Texas First Bank has originated 236 SBA loans totaling $84.9M since 1991. 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 First Bank lend in?
Texas First Bank provides SBA 7(a) financing with particularly strong presence in TX, 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.
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.
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