Capital Bank, National Association: SBA business acquisition lending record
Capital Bank, National Association (home state MD) approved 98 SBA 7(a) loans to buy existing businesses since FY2018, totaling $103M. The median loan was $681,050. It ranks number 101 of 280 lenders by count and made 0.2% 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 $300,000 and $1,492,250. If your deal sits well outside that band, this lender may be less practiced at it.
- Geographic reach. Maryland is the largest state (15% of loans). Loans appear in at least 15 states, which points to a national lender.
- Industry concentration. Child Care Services is 5% of its acquisition loans. The mix is spread across several industries.
- Overall 7(a) volume. 604 SBA 7(a) loans of any purpose since FY2020, totaling $385M. 55% of its acquisition loans were processed under the Preferred Lenders Program.
- Franchise share. 12% of its acquisition loans involved a franchise brand, against 18% for all lenders.
- Seasoned performance. Of its loans from FY2018 to FY2021: 5.7% charged off, 62% higher than the 3.5% national average.
Capital Bank, National Association acquisition loans by year
| Fiscal year | Loans | Total approved | Median loan | |
|---|---|---|---|---|
| FY2018 | 2 | $840K | $420,000 | |
| FY2019 | 9 | $10.9M | $314,000 | |
| FY2020 | 14 | $13.2M | $985,000 | |
| FY2021 | 10 | $10.7M | $941,750 | |
| FY2022 | 13 | $14.4M | $750,000 | |
| FY2023 | 13 | $10.4M | $261,000 | |
| FY2024 | 2 | $950K | $475,000 | |
| FY2025 | 8 | $7.4M | $375,000 | |
| FY2026 | 27 | $34.3M | $926,300 |
How often do these acquisition loans fail?
Of the 35 Capital Bank, National Association acquisition loans approved from FY2018 to FY2021 (the seasoned cohort, every loan at least about five years old), 2 have been charged off by the SBA, a rate of 5.7% by loan count and 4.5% by dollars. 12 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 Capital Bank, National Association is 62% higher 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
| # | State | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | Maryland | 15 | 15.3% | $17.7M | |
| 2 | Virginia | 11 | 11.2% | $16.2M | |
| 3 | North Carolina | 8 | 8.2% | $9.8M | |
| 4 | Florida | 7 | 7.1% | $7.9M | |
| 5 | Georgia | 7 | 7.1% | $4.7M | |
| 6 | South Carolina | 5 | 5.1% | $2.4M | |
| 7 | Alabama | 4 | 4.1% | $4.4M | |
| 8 | Oregon | 4 | 4.1% | $4.4M | |
| 9 | Colorado | 4 | 4.1% | $2.2M | |
| 10 | Massachusetts | 3 | 3.1% | $4.9M | |
| 11 | New York | 3 | 3.1% | $4.3M | |
| 12 | Illinois | 3 | 3.1% | $2.6M | |
| 13 | California | 3 | 3.1% | $2.2M | |
| 14 | Louisiana | 2 | 2.0% | $5.7M | |
| 15 | Utah | 2 | 2.0% | $1.8M |
Industries financed
| # | Industry | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | Child Care Services | 5 | 5.1% | $5.1M | |
| 2 | Insurance Agencies and Brokerages | 5 | 5.1% | $2.2M | |
| 3 | General Freight Trucking, Local | 4 | 4.1% | $4.9M | |
| 4 | Couriers and Express Delivery Services | 4 | 4.1% | $4.7M | |
| 5 | All Other Specialty Trade Contractors | 4 | 4.1% | $3.7M | |
| 6 | Landscaping Services | 3 | 3.1% | $6.5M | |
| 7 | Flower, Nursery Stock, and Florists' Supplies Merchant Wholesalers | 3 | 3.1% | $3.7M | |
| 8 | General Automotive Repair | 3 | 3.1% | $3.3M | |
| 9 | Limited-Service Restaurants | 3 | 3.1% | $1.2M | |
| 10 | Offices of Certified Public Accountants | 3 | 3.1% | $810K |
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Franchise brands financed
| # | Franchise | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | Goosehead Insurance | 2 | 2.0% | $760K | |
| 2 | Subway | 2 | 2.0% | $464K | |
| 3 | Paul Davis Restoration | 1 | 1.0% | $1.1M | |
| 4 | Comfort Keepers | 1 | 1.0% | $629K | |
| 5 | Edible Arrangements | 1 | 1.0% | $467K | |
| 6 | PuroClean | 1 | 1.0% | $350K | |
| 7 | The UPS Store | 1 | 1.0% | $150K |
Questions buyers ask
Does Capital Bank, National Association make SBA acquisition loans?
Yes. Capital Bank, National Association approved 98 SBA 7(a) loans to buy existing businesses from FY2018 to FY2026, ranking number 101 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 Capital Bank, National Association's acquisition loans?
The median was $681,050, with the middle half between $300,000 and $1,492,250. The national median is $645,250, so this lender's typical loan is 6% higher than the national figure.
Which states does Capital Bank, National Association lend in?
Maryland (15), Virginia (11), North Carolina (8), Florida (7), Georgia (7), South Carolina (5). Its loans span at least 15 states.
Which industries does Capital Bank, National Association finance?
Child Care Services (5), Insurance Agencies and Brokerages (5), General Freight Trucking, Local (4), Couriers and Express Delivery Services (4), All Other Specialty Trade Contractors (4). The top industry is 5% of its acquisition loans.
How have Capital Bank, National Association's acquisition loans performed?
Of 35 loans approved FY2018 to FY2021: 5.7% charged off, 62% higher 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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Submit Transaction DetailsAlex Lubyansky leads every engagement.
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Related
- Maryland acquisitions
- Virginia acquisitions
- North Carolina acquisitions
- Child Care Services
- Insurance Agencies and Brokerages
- General Freight Trucking, Local
- All lenders
Figures are aggregates of public SBA data. This page is not provided or endorsed by Capital Bank, National Association.