Guaranty Bank: SBA business acquisition lending record
Guaranty Bank (home state MO) approved 45 SBA 7(a) loans to buy existing businesses since FY2018, totaling $26.5M. The median loan was $517,500. It ranks number 189 of 280 lenders by count and made 0.1% of all SBA acquisition loans nationally.
Seller note standby terms and third-party consents are reviewed before closing.
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What this tells a borrower
- Deal size it funds. Half of its acquisition loans fell between $261,000 and $661,500. If your deal sits well outside that band, this lender may be less practiced at it.
- Geographic reach. Missouri is the largest state (93% of loans). Loans appear in only 4 states, which points to a regional lender.
- Industry concentration. Limited-Service Restaurants is 7% of its acquisition loans. The mix is spread across several industries.
- Overall 7(a) volume. 120 SBA 7(a) loans of any purpose since FY2020, totaling $46.5M. 89% of its acquisition loans were processed under the Preferred Lenders Program.
- Franchise share. 9% of its acquisition loans involved a franchise brand, against 18% for all lenders.
- Seasoned performance. Of its loans from FY2018 to FY2021: 4.9% charged off, 39% higher than the 3.5% national average.
Guaranty Bank acquisition loans by year
| Fiscal year | Loans | Total approved | Median loan | |
|---|---|---|---|---|
| FY2018 | 8 | $6.1M | $637,850 | |
| FY2019 | 10 | $6M | $543,750 | |
| FY2020 | 10 | $3.5M | $297,000 | |
| FY2021 | 13 | $7.8M | $528,300 | |
| FY2022 | 3 | $2.9M | $342,000 | |
| FY2023 | 1 | $225K | $225,000 | |
| FY2024 | 0 | $0 | - | |
| FY2025 | 0 | $0 | - | |
| FY2026 | 0 | $0 | - |
How often do these acquisition loans fail?
Of the 41 Guaranty Bank 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 4.9% by loan count and 3.1% by dollars. 20 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 Guaranty Bank is 39% 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
Industries financed
| # | Industry | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | Limited-Service Restaurants | 3 | 6.7% | $745K | |
| 2 | Plumbing, Heating, and Air-Conditioning Contractors | 2 | 4.4% | $2.2M | |
| 3 | All Other Specialty Trade Contractors | 2 | 4.4% | $2.1M | |
| 4 | Supermarkets and Other Grocery Retailers (except Convenience Retailers) | 2 | 4.4% | $1.4M | |
| 5 | General Automotive Repair | 2 | 4.4% | $1.2M | |
| 6 | Commercial Printing (except Screen and Books) | 2 | 4.4% | $658K | |
| 7 | Fitness and Recreational Sports Centers | 2 | 4.4% | $396K | |
| 8 | All Other Amusement and Recreation Industries | 2 | 4.4% | $297K | |
| 9 | Industrial Supplies Merchant Wholesalers | 1 | 2.2% | $2.3M |
Seller note standby terms and third-party consents are reviewed before closing.
Submit Transaction DetailsSBA-financed deals. All 50 states.
Franchise brands financed
| # | Franchise | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | Anytime Fitness | 1 | 2.2% | $261K | |
| 2 | 9Round | 1 | 2.2% | $135K | |
| 3 | Painting With A Twist | 1 | 2.2% | $120K |
Questions buyers ask
Does Guaranty Bank make SBA acquisition loans?
Yes. Guaranty Bank approved 45 SBA 7(a) loans to buy existing businesses from FY2018 to FY2026, ranking number 189 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 Guaranty Bank's acquisition loans?
The median was $517,500, with the middle half between $261,000 and $661,500. The national median is $645,250, so this lender's typical loan is 20% lower than the national figure.
Which states does Guaranty Bank lend in?
Missouri (42), Oklahoma (1), Kansas (1), Arkansas (1). Its loans appear in 4 states, so it is closer to a regional lender.
Which industries does Guaranty Bank finance?
Limited-Service Restaurants (3), Plumbing, Heating, and Air-Conditioning Contractors (2), All Other Specialty Trade Contractors (2), Supermarkets and Other Grocery Retailers (except Convenience Retailers) (2), General Automotive Repair (2). The top industry is 7% of its acquisition loans.
How have Guaranty Bank's acquisition loans performed?
Of 41 loans approved FY2018 to FY2021: 4.9% charged off, 39% higher than the 3.5% national acquisition average. Charge-offs reflect the borrowers and industries a lender serves as well as its underwriting.
Seller note standby terms and third-party consents are reviewed before closing.
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Related
- Missouri acquisitions
- Oklahoma acquisitions
- Kansas acquisitions
- Limited-Service Restaurants
- Plumbing, Heating, and Air-Conditioning Contractors
- All Other Specialty Trade Contractors
- All lenders
Figures are aggregates of public SBA data. This page is not provided or endorsed by Guaranty Bank.