The Bank of Houston
SBA 7(a) Lending Profile · FY 2022 analysis
Industry Focus
Top industries served by The Bank of Houston
| NAICS | Industry | Loans | Volume | Avg Loan | Share |
|---|---|---|---|---|---|
| 812199 | Other Personal Care Services | 112 | $57.9M | $517K | 10.2% |
| 447110 | Gasoline Stations with Convenience Stores | 80 | $87.3M | $1.1M | 7.3% |
| 722511 | Full-Service Restaurants | 72 | $42.1M | $585K | 6.6% |
| 445310 | Beer, Wine, and Liquor Stores | 56 | $60.9M | $1.1M | 5.1% |
| 713940 | Fitness and Recreational Sports Centers | 48 | $36.6M | $763K | 4.4% |
| 721110 | Hotels (except Casino Hotels) and Motels | 40 | $77.6M | $1.9M | 3.6% |
| 624410 | Child Day Care Services | 32 | $20.7M | $648K | 2.9% |
| 445131 | Other | 32 | $37.3M | $1.2M | 2.9% |
| 722513 | Limited-Service Restaurants | 24 | $8.3M | $344K | 2.2% |
| 423210 | Furniture Merchant Wholesalers | 24 | $14.5M | $605K | 2.2% |
Geographic Distribution
SBA lending activity for The Bank of Houston by state
| State | Loans | Volume | Share |
|---|---|---|---|
| Missouri (MO) | 656 | $587.1M | 59.9% |
| Illinois (IL) | 160 | $131.8M | 14.6% |
| Arizona (AZ) | 16 | $25.6M | 1.5% |
| Georgia (GA) | 40 | $16.5M | 3.6% |
| Texas (TX) | 24 | $14.2M | 2.2% |
| Tennessee (TN) | 24 | $11.6M | 2.2% |
| California (CA) | 16 | $10.5M | 1.5% |
| Florida (FL) | 24 | $9.1M | 2.2% |
| South Carolina (SC) | 16 | $9.1M | 1.5% |
| New Jersey (NJ) | 16 | $8.9M | 1.5% |
| Minnesota (MN) | 8 | $7.6M | 0.7% |
| North Carolina (NC) | 24 | $7.1M | 2.2% |
| Michigan (MI) | 16 | $4.8M | 1.5% |
| Kentucky (KY) | 8 | $4.8M | 0.7% |
| Massachusetts (MA) | 8 | $4.3M | 0.7% |
| Kansas (KS) | 8 | $3.9M | 0.7% |
| Connecticut (CT) | 8 | $2.5M | 0.7% |
| Arkansas (AR) | 8 | $2.2M | 0.7% |
| Indiana (IN) | 8 | $2.0M | 0.7% |
| Mississippi (MS) | 8 | $1.5M | 0.7% |
Why Choose The Bank of Houston?
Based on SBA 7(a) lending track record from 2020-2025
- ✓Proven Track Record: 1,096 SBA loans approved, totaling $865.1M in financing
- ✓Industry Expertise: Specialized focus on Other Personal Care Services, Gasoline Stations with Convenience Stores, Full-Service Restaurants
- ✓Competitive Terms: Average interest rate of 8.30% with flexible term lengths averaging 179 months
- ✓Loan Range: Loan sizes from $50K to $5.0M, with an average of $789K
- ✓Nationwide Reach: Active lending in 20 states, with strong presence in MO, IL, GA
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 The Bank of Houston SBA lending
What types of businesses does The Bank of Houston typically finance?
The Bank of Houston specializes in SBA 7(a) lending to specific industries including other personal care services, gasoline stations with convenience stores, full-service restaurants, beer, wine, and liquor stores. They have developed expertise in these sectors and understand the unique financial characteristics of each industry.
What are The Bank of Houston's typical SBA loan terms?
The Bank of Houston's SBA 7(a) loans typically feature an average interest rate of 8.30% and average term length of 179 months (approximately 15 years). Loan sizes range from $50K to $5.0M, with an average loan size of $789K.
Do I need a business valuation for a The Bank of Houston SBA loan?
Yes, The Bank of Houston 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 The Bank of Houston compare to other SBA lenders?
The Bank of Houston has originated 1,096 SBA loans totaling $865.1M 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 The Bank of Houston lend in?
The Bank of Houston provides SBA 7(a) financing with particularly strong presence in MO, IL, GA, TN, NC. 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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