US Metro Bank
SBA 7(a) Lending Profile · All Time analysis
Industry Focus
Top industries served by US Metro Bank · All Time
| NAICS | Industry | Loans | Volume | Avg Loan | Share |
|---|---|---|---|---|---|
| 721110 | Hotels (except Casino Hotels) and Motels | 298 | $844.9M | $2.8M | 27.6% |
| 722511 | Full-Service Restaurants | 63 | $54.2M | $860K | 5.8% |
| 457110 | Gasoline Stations with Convenience Stores | 55 | $128.0M | $2.3M | 5.1% |
| 722513 | Limited-Service Restaurants | 54 | $34.6M | $640K | 5.0% |
| 445320 | Beer, Wine, and Liquor Retailers | 26 | $27.2M | $1.0M | 2.4% |
| 445110 | Supermarkets and Other Grocery Retailers (except Convenience Retailers) | 21 | $21.0M | $999K | 1.9% |
| 811192 | Car Washes | 21 | $35.0M | $1.7M | 1.9% |
| 811111 | General Automotive Repair | 18 | $18.6M | $1.0M | 1.7% |
| 623312 | Assisted Living Facilities for the Elderly | 16 | $26.7M | $1.7M | 1.5% |
| 812320 | Drycleaning and Laundry Services (except Coin-Operated) | 13 | $10.7M | $824K | 1.2% |
Geographic Distribution
SBA lending activity for US Metro Bank by state
| State | Loans | Volume | Share |
|---|---|---|---|
| California (CA) | 673 | $877.9M | 62.3% |
| Texas (TX) | 144 | $353.4M | 13.3% |
| Washington (WA) | 68 | $138.7M | 6.3% |
| Nevada (NV) | 27 | $38.6M | 2.5% |
| Arizona (AZ) | 18 | $31.5M | 1.7% |
| Florida (FL) | 12 | $26.3M | 1.1% |
| Ohio (OH) | 10 | $25.9M | 0.9% |
| Oregon (OR) | 12 | $24.7M | 1.1% |
| New Mexico (NM) | 8 | $23.4M | 0.7% |
| Colorado (CO) | 8 | $17.8M | 0.7% |
| Missouri (MO) | 6 | $17.4M | 0.6% |
| Georgia (GA) | 8 | $14.5M | 0.7% |
| Virginia (VA) | 9 | $14.3M | 0.8% |
| Arkansas (AR) | 3 | $12.6M | 0.3% |
| Maryland (MD) | 9 | $12.4M | 0.8% |
| North Carolina (NC) | 4 | $11.3M | 0.4% |
| Tennessee (TN) | 4 | $10.8M | 0.4% |
| Louisiana (LA) | 6 | $9.8M | 0.6% |
| Wisconsin (WI) | 2 | $9.8M | 0.2% |
| Oklahoma (OK) | 5 | $9.1M | 0.5% |
| Minnesota (MN) | 3 | $8.0M | 0.3% |
| Alabama (AL) | 3 | $7.8M | 0.3% |
| Kentucky (KY) | 2 | $7.5M | 0.2% |
| Utah (UT) | 6 | $6.8M | 0.6% |
| Michigan (MI) | 2 | $6.1M | 0.2% |
| Wyoming (WY) | 3 | $5.8M | 0.3% |
| Pennsylvania (PA) | 4 | $5.8M | 0.4% |
| Illinois (IL) | 2 | $5.4M | 0.2% |
| West Virginia (WV) | 2 | $5.1M | 0.2% |
| Nebraska (NE) | 1 | $5.0M | 0.1% |
| Idaho (ID) | 2 | $3.6M | 0.2% |
| Mississippi (MS) | 2 | $3.3M | 0.2% |
| New York (NY) | 3 | $3.3M | 0.3% |
| Kansas (KS) | 4 | $3.0M | 0.4% |
| South Carolina (SC) | 1 | $1.9M | 0.1% |
| New Jersey (NJ) | 2 | $1.8M | 0.2% |
| Connecticut (CT) | 1 | $400K | 0.1% |
| Indiana (IN) | 1 | $347K | 0.1% |
Why Choose US Metro Bank?
Based on SBA 7(a) lending track record from 2007-2026
- ✓Proven Track Record: 1,080 SBA loans approved, totaling $1.76B in financing
- ✓Industry Expertise: Specialized focus on Hotels (except Casino Hotels) and Motels, Full-Service Restaurants, Gasoline Stations with Convenience Stores
- ✓Competitive Terms: Average interest rate of 6.96% with flexible term lengths averaging 251 months
- ✓Loan Range: Loan sizes from $25K to $5.0M, with an average of $1.6M
- ✓Nationwide Reach: Active lending in 38 states, with strong presence in CA, TX, WA
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 US Metro Bank SBA lending
What types of businesses does US Metro Bank typically finance?
US Metro Bank specializes in SBA 7(a) lending to specific industries including hotels (except casino hotels) and motels, full-service restaurants, gasoline stations with convenience stores, limited-service restaurants. They have developed expertise in these sectors and understand the unique financial characteristics of each industry.
What are US Metro Bank's typical SBA loan terms?
US Metro Bank's SBA 7(a) loans typically feature an average interest rate of 6.96% and average term length of 251 months (approximately 21 years). Loan sizes range from $25K to $5.0M, with an average loan size of $1.6M.
Do I need a business valuation for a US Metro Bank SBA loan?
Yes, US Metro 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 US Metro Bank compare to other SBA lenders?
US Metro Bank has originated 1,080 SBA loans totaling $1.76B since 2007. 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 US Metro Bank lend in?
US Metro Bank provides SBA 7(a) financing with particularly strong presence in CA, TX, WA, NV, AZ. 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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