Emprise Bank: SBA business acquisition lending record
Emprise Bank (home state KS) approved 58 SBA 7(a) loans to buy existing businesses since FY2018, totaling $54.8M. The median loan was $566,850. It ranks number 151 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 $292,150 and $1,144,500. If your deal sits well outside that band, this lender may be less practiced at it.
- Geographic reach. Kansas is the largest state (67% of loans). Loans appear in only 4 states, which points to a regional lender.
- Industry concentration. Plumbing, Heating, and Air-Conditioning Contractors is 7% of its acquisition loans. The mix is spread across several industries.
- Overall 7(a) volume. 233 SBA 7(a) loans of any purpose since FY2020, totaling $108M. 84% of its acquisition loans were processed under the Preferred Lenders Program.
- Franchise share. 16% of its acquisition loans involved a franchise brand, against 18% for all lenders.
- Seasoned performance. Too few of its loans are old enough to measure a charge-off rate.
Emprise Bank acquisition loans by year
| Fiscal year | Loans | Total approved | Median loan | |
|---|---|---|---|---|
| FY2018 | 1 | $265K | $265,200 | |
| FY2019 | 3 | $6M | $696,000 | |
| FY2020 | 3 | $1.3M | $347,300 | |
| FY2021 | 7 | $9.1M | $1,175,000 | |
| FY2022 | 7 | $4.9M | $286,200 | |
| FY2023 | 8 | $7.8M | $432,200 | |
| FY2024 | 10 | $10.9M | $894,200 | |
| FY2025 | 10 | $5.7M | $605,100 | |
| FY2026 | 9 | $8.7M | $565,500 |
How often do these acquisition loans fail?
Fewer than 20 Emprise Bank acquisition loans are old enough to measure losses reliably, so no charge-off rate is shown. The benchmark across all SBA acquisition loans in the FY2018 to FY2021 cohort is 3.5% by count. 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 | Plumbing, Heating, and Air-Conditioning Contractors | 4 | 6.9% | $6.6M | |
| 2 | Hobby, Toy, and Game Retailers | 3 | 5.2% | $1.5M | |
| 3 | All Other Specialty Trade Contractors | 2 | 3.4% | $5.1M | |
| 4 | Exterminating and Pest Control Services | 2 | 3.4% | $3M | |
| 5 | Commercial Printing (except Screen and Books) | 2 | 3.4% | $2.6M | |
| 6 | Offices of All Other Miscellaneous Health Practitioners | 2 | 3.4% | $2.2M | |
| 7 | Electronic and Precision Equipment Repair and Maintenance | 2 | 3.4% | $2.2M | |
| 8 | Fitness and Recreational Sports Centers | 2 | 3.4% | $993K | |
| 9 | Food (Health) Supplement Retailers | 2 | 3.4% | $915K | |
| 10 | Electrical Contractors and Other Wiring Installation Contractors | 2 | 3.4% | $601K |
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Franchise brands financed
| # | Franchise | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | Orange Theory Fitness | 2 | 3.4% | $993K |
Questions buyers ask
Does Emprise Bank make SBA acquisition loans?
Yes. Emprise Bank approved 58 SBA 7(a) loans to buy existing businesses from FY2018 to FY2026, ranking number 151 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 Emprise Bank's acquisition loans?
The median was $566,850, with the middle half between $292,150 and $1,144,500. The national median is $645,250, so this lender's typical loan is 12% lower than the national figure.
Which states does Emprise Bank lend in?
Kansas (39), Nebraska (15), Missouri (3), Arkansas (1). Its loans appear in 4 states, so it is closer to a regional lender.
Which industries does Emprise Bank finance?
Plumbing, Heating, and Air-Conditioning Contractors (4), Hobby, Toy, and Game Retailers (3), All Other Specialty Trade Contractors (2), Exterminating and Pest Control Services (2), Commercial Printing (except Screen and Books) (2). The top industry is 7% of its acquisition loans.
How have Emprise Bank's acquisition loans performed?
Fewer than 20 of this lender's loans are old enough to measure. The national benchmark is 3.5% for the FY2018 to FY2021 cohort.
Terms signed in the LOI shape the purchase agreement that follows.
Request Engagement AssessmentAlex Lubyansky leads every engagement.
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Related
- Kansas acquisitions
- Nebraska acquisitions
- Missouri acquisitions
- Plumbing, Heating, and Air-Conditioning Contractors
- Hobby, Toy, and Game Retailers
- All Other Specialty Trade Contractors
- All lenders
Figures are aggregates of public SBA data. This page is not provided or endorsed by Emprise Bank.