Regent Bank: SBA business acquisition lending record
Regent Bank (home state OK) approved 52 SBA 7(a) loans to buy existing businesses since FY2018, totaling $44.7M. The median loan was $532,750. It ranks number 169 of 280 lenders by count and made 0.1% of all SBA acquisition loans nationally.
The purchase agreement decides what you bought, not the loan approval.
Request Engagement AssessmentAlex Lubyansky leads every engagement.
What this tells a borrower
- Deal size it funds. Half of its acquisition loans fell between $211,375 and $1,278,375. If your deal sits well outside that band, this lender may be less practiced at it.
- Geographic reach. Missouri is the largest state (65% of loans). Loans appear in only 5 states, which points to a regional lender.
- Industry concentration. Beer, Wine, and Liquor Retailers is 8% of its acquisition loans. The mix is spread across several industries.
- Overall 7(a) volume. 219 SBA 7(a) loans of any purpose since FY2020, totaling $138M. 85% of its acquisition loans were processed under the Preferred Lenders Program.
- Franchise share. 10% 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.
Regent Bank acquisition loans by year
| Fiscal year | Loans | Total approved | Median loan | |
|---|---|---|---|---|
| FY2018 | 1 | $1.7M | $1,739,500 | |
| FY2019 | 4 | $2.3M | $301,750 | |
| FY2020 | 3 | $1.9M | $521,000 | |
| FY2021 | 5 | $6.9M | $1,319,700 | |
| FY2022 | 13 | $14M | $630,900 | |
| FY2023 | 9 | $3.6M | $337,900 | |
| FY2024 | 10 | $7.9M | $666,350 | |
| FY2025 | 1 | $3.8M | $3,795,500 | |
| FY2026 | 6 | $2.8M | $211,900 |
How often do these acquisition loans fail?
Fewer than 20 Regent 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.
Seller note standby terms and third-party consents are reviewed before closing.
Submit Transaction DetailsAlex Lubyansky leads every engagement.
States served
Industries financed
| # | Industry | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | Beer, Wine, and Liquor Retailers | 4 | 7.7% | $4.7M | |
| 2 | Full-Service Restaurants | 3 | 5.8% | $3.4M | |
| 3 | All Other Personal Services | 3 | 5.8% | $525K | |
| 4 | Hotels (except Casino Hotels) and Motels | 2 | 3.8% | $3.7M | |
| 5 | General Automotive Repair | 2 | 3.8% | $2.3M | |
| 6 | All Other Specialty Trade Contractors | 2 | 3.8% | $1.5M | |
| 7 | Meat Retailers | 2 | 3.8% | $748K | |
| 8 | Drinking Places (Alcoholic Beverages) | 2 | 3.8% | $494K | |
| 9 | Couriers and Express Delivery Services | 2 | 3.8% | $363K | |
| 10 | Promoters of Performing Arts, Sports, and Similar Events with Facilities | 2 | 3.8% | $258K |
That draft favors the seller. We review it for the buyer, line by line.
Submit Transaction DetailsFree consultation. All 50 states.
Franchise brands financed
| # | Franchise | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | Quality Inn | 1 | 1.9% | $2.2M | |
| 2 | Two Men and a Truck | 1 | 1.9% | $1.6M | |
| 3 | Snap Fitness | 1 | 1.9% | $99K |
Questions buyers ask
Does Regent Bank make SBA acquisition loans?
Yes. Regent Bank approved 52 SBA 7(a) loans to buy existing businesses from FY2018 to FY2026, ranking number 169 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 Regent Bank's acquisition loans?
The median was $532,750, with the middle half between $211,375 and $1,278,375. The national median is $645,250, so this lender's typical loan is 17% lower than the national figure.
Which states does Regent Bank lend in?
Missouri (34), Oklahoma (11), Texas (5), Colorado (1), Kansas (1). Its loans appear in 5 states, so it is closer to a regional lender.
Which industries does Regent Bank finance?
Beer, Wine, and Liquor Retailers (4), Full-Service Restaurants (3), All Other Personal Services (3), Hotels (except Casino Hotels) and Motels (2), General Automotive Repair (2). The top industry is 8% of its acquisition loans.
How have Regent 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.
Seller note standby terms and third-party consents are reviewed before closing.
Submit Transaction DetailsAlex Lubyansky leads every engagement.
Advertise on this site: lenders, brokers, valuation and insurance firms. See options
Related
- Missouri acquisitions
- Oklahoma acquisitions
- Texas acquisitions
- Beer, Wine, and Liquor Retailers
- Full-Service Restaurants
- All Other Personal Services
- All lenders
Figures are aggregates of public SBA data. This page is not provided or endorsed by Regent Bank.