Arvest Bank: SBA business acquisition lending record
Arvest Bank (home state AR) approved 65 SBA 7(a) loans to buy existing businesses since FY2018, totaling $51.8M. The median loan was $420,000. It ranks number 136 of 280 lenders by count and made 0.1% of all SBA acquisition loans nationally.
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What this tells a borrower
- Deal size it funds. Half of its acquisition loans fell between $200,000 and $1,035,000. If your deal sits well outside that band, this lender may be less practiced at it.
- Geographic reach. Arkansas is the largest state (54% of loans). Loans appear in only 4 states, which points to a regional lender.
- Industry concentration. Broilers and Other Meat Type Chicken Production is 8% of its acquisition loans. The mix is spread across several industries.
- Overall 7(a) volume. 634 SBA 7(a) loans of any purpose since FY2020, totaling $165M. 80% of its acquisition loans were processed under the Preferred Lenders Program.
- Franchise share. 8% of its acquisition loans involved a franchise brand, against 18% for all lenders.
- Seasoned performance. Of its loans from FY2018 to FY2021: 2.0% charged off, 42% lower than the 3.5% national average.
Arvest Bank acquisition loans by year
| Fiscal year | Loans | Total approved | Median loan | |
|---|---|---|---|---|
| FY2018 | 5 | $4M | $250,000 | |
| FY2019 | 15 | $17.3M | $430,600 | |
| FY2020 | 18 | $11.5M | $403,500 | |
| FY2021 | 11 | $10.1M | $700,000 | |
| FY2022 | 2 | $1.7M | $842,900 | |
| FY2023 | 2 | $726K | $362,750 | |
| FY2024 | 3 | $2.8M | $1,062,000 | |
| FY2025 | 7 | $3.2M | $278,100 | |
| FY2026 | 2 | $381K | $190,500 |
How often do these acquisition loans fail?
Of the 49 Arvest Bank acquisition loans approved from FY2018 to FY2021 (the seasoned cohort, every loan at least about five years old), 1 have been charged off by the SBA, a rate of 2.0% by loan count and 0.2% by dollars. 16 have already been paid in full.
For comparison, the charge-off rate across all SBA 7(a) acquisition loans in the same cohort is 3.5%, so Arvest Bank is 42% lower than the acquisition-loan average. Non-acquisition 7(a) loans (every other stated purpose) approved FY2018 to FY2021 charged off at 6.2%.
"Charged off" is the SBA's final loss action on a defaulted loan after collection efforts. It lags default by a year or more, which is why only older cohorts are measured. It is not the same as a delinquency rate, and loans still outstanding can still fail. See charge-off in the glossary.
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States served
Industries financed
| # | Industry | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | Broilers and Other Meat Type Chicken Production | 5 | 7.7% | $11.5M | |
| 2 | Full-Service Restaurants | 5 | 7.7% | $3.3M | |
| 3 | Hotels (except Casino Hotels) and Motels | 4 | 6.2% | $5.2M | |
| 4 | Wood Kitchen Cabinet and Countertop Manufacturing | 2 | 3.1% | $2.1M | |
| 5 | Offices of Mental Health Practitioners (except Physicians) | 2 | 3.1% | $2M | |
| 6 | Offices of Physicians (except Mental Health Specialists) | 2 | 3.1% | $308K | |
| 7 | Beauty Salons | 2 | 3.1% | $112K | |
| 8 | Other Activities Related to Real Estate | 1 | 1.5% | $2.9M | |
| 9 | Lessors of Miniwarehouses and Self-Storage Units | 1 | 1.5% | $1.6M |
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Franchise brands financed
| # | Franchise | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | Fairfield by Marriott | 1 | 1.5% | $3.4M | |
| 2 | CPR | 1 | 1.5% | $225K | |
| 3 | The UPS Store | 1 | 1.5% | $172K | |
| 4 | Farmers Insurance | 1 | 1.5% | $114K |
Questions buyers ask
Does Arvest Bank make SBA acquisition loans?
Yes. Arvest Bank approved 65 SBA 7(a) loans to buy existing businesses from FY2018 to FY2026, ranking number 136 of 280 lenders with 25 or more such loans. The SBA file shows past approvals only; it cannot tell you whether the lender will approve a particular buyer or deal.
How large are Arvest Bank's acquisition loans?
The median was $420,000, with the middle half between $200,000 and $1,035,000. The national median is $645,250, so this lender's typical loan is 35% lower than the national figure.
Which states does Arvest Bank lend in?
Arkansas (35), Oklahoma (24), Missouri (5), Kansas (1). Its loans appear in 4 states, so it is closer to a regional lender.
Which industries does Arvest Bank finance?
Broilers and Other Meat Type Chicken Production (5), Full-Service Restaurants (5), Hotels (except Casino Hotels) and Motels (4), Wood Kitchen Cabinet and Countertop Manufacturing (2), Offices of Mental Health Practitioners (except Physicians) (2). The top industry is 8% of its acquisition loans.
How have Arvest Bank's acquisition loans performed?
Of 49 loans approved FY2018 to FY2021: 2.0% charged off, 42% lower than the 3.5% national acquisition average. Charge-offs reflect the borrowers and industries a lender serves as well as its underwriting.
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Related
- Arkansas acquisitions
- Oklahoma acquisitions
- Missouri acquisitions
- Broilers and Other Meat Type Chicken Production
- Full-Service Restaurants
- Hotels (except Casino Hotels) and Motels
- All lenders
Figures are aggregates of public SBA data. This page is not provided or endorsed by Arvest Bank.