The Fidelity Bank
SBA 7(a) Lending Profile · All Time analysis
Industry Focus
Top industries served by The Fidelity Bank · All Time
| NAICS | Industry | Loans | Volume | Avg Loan | Share |
|---|---|---|---|---|---|
| 722511 | Full-Service Restaurants | 13 | $15.5M | $1.2M | 3.4% |
| 722513 | Limited-Service Restaurants | 13 | $11.1M | $855K | 3.4% |
| 811111 | General Automotive Repair | 12 | $11.4M | $952K | 3.1% |
| 713940 | Fitness and Recreational Sports Centers | 9 | $2.5M | $282K | 2.3% |
| 812910 | Pet Care (except Veterinary) Services | 9 | $5.7M | $630K | 2.3% |
| 721110 | Hotels (except Casino Hotels) and Motels | 8 | $20.3M | $2.5M | 2.1% |
| 621111 | Offices of Physicians (except Mental Health Specialists) | 8 | $4.6M | $577K | 2.1% |
| 238220 | Plumbing, Heating, and Air-Conditioning Contractors | 7 | $6.8M | $979K | 1.8% |
| 238210 | Electrical Contractors and Other Wiring Installation Contractors | 7 | $7.0M | $997K | 1.8% |
| 541110 | Offices of Lawyers | 7 | $457K | $65K | 1.8% |
Geographic Distribution
SBA lending activity for The Fidelity Bank by state
| State | Loans | Volume | Share |
|---|---|---|---|
| North Carolina (NC) | 284 | $117.3M | 74.2% |
| Texas (TX) | 24 | $26.2M | 6.3% |
| South Carolina (SC) | 18 | $11.5M | 4.7% |
| Florida (FL) | 14 | $9.9M | 3.7% |
| Illinois (IL) | 3 | $5.7M | 0.8% |
| New Hampshire (NH) | 1 | $4.5M | 0.3% |
| Colorado (CO) | 2 | $4.3M | 0.5% |
| Tennessee (TN) | 3 | $3.9M | 0.8% |
| Virginia (VA) | 5 | $3.6M | 1.3% |
| New Jersey (NJ) | 3 | $2.6M | 0.8% |
| Arkansas (AR) | 2 | $2.6M | 0.5% |
| Georgia (GA) | 1 | $2.5M | 0.3% |
| New York (NY) | 2 | $2.2M | 0.5% |
| California (CA) | 2 | $1.8M | 0.5% |
| Pennsylvania (PA) | 2 | $1.8M | 0.5% |
| Utah (UT) | 2 | $1.7M | 0.5% |
| Ohio (OH) | 5 | $1.3M | 1.3% |
| Oklahoma (OK) | 1 | $1.3M | 0.3% |
| Idaho (ID) | 1 | $1.1M | 0.3% |
| Arizona (AZ) | 1 | $1.1M | 0.3% |
| Iowa (IA) | 1 | $977K | 0.3% |
| Rhode Island (RI) | 1 | $675K | 0.3% |
| Missouri (MO) | 1 | $635K | 0.3% |
| Oregon (OR) | 1 | $447K | 0.3% |
| Michigan (MI) | 1 | $425K | 0.3% |
| Minnesota (MN) | 1 | $410K | 0.3% |
| Massachusetts (MA) | 1 | $198K | 0.3% |
Why Choose The Fidelity Bank?
Based on SBA 7(a) lending track record from 1991-2025
- ✓Proven Track Record: 383 SBA loans approved, totaling $210.6M in financing
- ✓Industry Expertise: Specialized focus on Full-Service Restaurants, Limited-Service Restaurants, General Automotive Repair
- ✓Competitive Terms: Average interest rate of 8.64% with flexible term lengths averaging 118 months
- ✓Loan Range: Loan sizes from $10K to $4.5M, with an average of $550K
- ✓Nationwide Reach: Active lending in 27 states, with strong presence in NC, TX, SC
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 Fidelity Bank SBA lending
What types of businesses does The Fidelity Bank typically finance?
The Fidelity Bank specializes in SBA 7(a) lending to specific industries including full-service restaurants, limited-service restaurants, general automotive repair, fitness and recreational sports centers. They have developed expertise in these sectors and understand the unique financial characteristics of each industry.
What are The Fidelity Bank's typical SBA loan terms?
The Fidelity Bank's SBA 7(a) loans typically feature an average interest rate of 8.64% and average term length of 118 months (approximately 10 years). Loan sizes range from $10K to $4.5M, with an average loan size of $550K.
Do I need a business valuation for a The Fidelity Bank SBA loan?
Yes, The Fidelity 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 The Fidelity Bank compare to other SBA lenders?
The Fidelity Bank has originated 383 SBA loans totaling $210.6M 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 The Fidelity Bank lend in?
The Fidelity Bank provides SBA 7(a) financing with particularly strong presence in NC, TX, SC, FL, VA. 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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