Southwestern National Bank: SBA business acquisition lending record
Southwestern National Bank (home state TX) approved 76 SBA 7(a) loans to buy existing businesses since FY2018, totaling $145M. The median loan was $1,490,000. It ranks number 129 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 $768,500 and $2,729,925. If your deal sits well outside that band, this lender may be less practiced at it.
- Geographic reach. Texas is the largest state (39% of loans). Loans appear in only 14 states, which points to a regional lender.
- Industry concentration. Gasoline Stations with Convenience Stores is 38% of its acquisition loans. This is a specialist pattern.
- Overall 7(a) volume. 217 SBA 7(a) loans of any purpose since FY2020, totaling $368M. 91% of its acquisition loans were processed under the Preferred Lenders Program.
- Franchise share. 49% 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.
Southwestern National Bank acquisition loans by year
| Fiscal year | Loans | Total approved | Median loan | |
|---|---|---|---|---|
| FY2018 | 1 | $3.1M | $3,084,000 | |
| FY2019 | 4 | $6.5M | $1,030,500 | |
| FY2020 | 8 | $10.2M | $1,307,500 | |
| FY2021 | 1 | $1.9M | $1,880,000 | |
| FY2022 | 4 | $8.5M | $1,431,850 | |
| FY2023 | 5 | $12M | $2,711,900 | |
| FY2024 | 4 | $5.4M | $1,345,500 | |
| FY2025 | 25 | $47.5M | $1,440,000 | |
| FY2026 | 24 | $50.2M | $1,610,000 |
How often do these acquisition loans fail?
Fewer than 20 Southwestern National 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.
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States served
| # | State | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | Texas | 30 | 39.5% | $58.2M | |
| 2 | California | 20 | 26.3% | $45.7M | |
| 3 | Washington | 8 | 10.5% | $11.2M | |
| 4 | Ohio | 4 | 5.3% | $8.8M | |
| 5 | Idaho | 3 | 3.9% | $4.6M | |
| 6 | Oklahoma | 2 | 2.6% | $1.8M | |
| 7 | Illinois | 2 | 2.6% | $1.2M | |
| 8 | Colorado | 1 | 1.3% | $3.5M | |
| 9 | Michigan | 1 | 1.3% | $3.1M | |
| 10 | Arizona | 1 | 1.3% | $2M | |
| 11 | Missouri | 1 | 1.3% | $1.9M | |
| 12 | Georgia | 1 | 1.3% | $1.4M | |
| 13 | New York | 1 | 1.3% | $1.1M | |
| 14 | Louisiana | 1 | 1.3% | $559K |
Industries financed
| # | Industry | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | Gasoline Stations with Convenience Stores | 29 | 38.2% | $56.1M | |
| 2 | Hotels (except Casino Hotels) and Motels | 18 | 23.7% | $48.6M | |
| 3 | Limited-Service Restaurants | 4 | 5.3% | $2.7M | |
| 4 | Beer, Wine, and Liquor Retailers | 4 | 5.3% | $2.6M | |
| 5 | Convenience Retailers | 3 | 3.9% | $3.8M | |
| 6 | Supermarkets and Other Grocery Retailers (except Convenience Retailers) | 2 | 2.6% | $2.6M | |
| 7 | Meat Retailers | 2 | 2.6% | $1.1M | |
| 8 | Car Washes | 2 | 2.6% | $995K | |
| 9 | Drycleaning and Laundry Services (except Coin-Operated) | 2 | 2.6% | $885K | |
| 10 | Other Miscellaneous Durable Goods Merchant Wholesalers | 1 | 1.3% | $4.6M |
Terms signed in the LOI shape the purchase agreement that follows.
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Franchise brands financed
| # | Franchise | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | Best Western | 3 | 3.9% | $11.9M | |
| 2 | World Fuel Services | 3 | 3.9% | $6.1M | |
| 3 | Quality Inn | 2 | 2.6% | $5.5M | |
| 4 | Christensen Inc. | 2 | 2.6% | $2.8M | |
| 5 | J.F. Presley Oil Company (Phillips 66) | 2 | 2.6% | $2.6M | |
| 6 | Travelodge | 1 | 1.3% | $3.1M | |
| 7 | Nissan North America | 1 | 1.3% | $3M | |
| 8 | Ace Hardware | 1 | 1.3% | $2.9M | |
| 9 | Super 8 | 1 | 1.3% | $2.8M | |
| 10 | Days Inn | 1 | 1.3% | $2.6M |
Questions buyers ask
Does Southwestern National Bank make SBA acquisition loans?
Yes. Southwestern National Bank approved 76 SBA 7(a) loans to buy existing businesses from FY2018 to FY2026, ranking number 129 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 Southwestern National Bank's acquisition loans?
The median was $1,490,000, with the middle half between $768,500 and $2,729,925. The national median is $645,250, so this lender's typical loan is 131% higher than the national figure.
Which states does Southwestern National Bank lend in?
Texas (30), California (20), Washington (8), Ohio (4), Idaho (3), Oklahoma (2). Its loans appear in 14 states, so it is closer to a regional lender.
Which industries does Southwestern National Bank finance?
Gasoline Stations with Convenience Stores (29), Hotels (except Casino Hotels) and Motels (18), Limited-Service Restaurants (4), Beer, Wine, and Liquor Retailers (4), Convenience Retailers (3). The top industry is 38% of its acquisition loans.
How have Southwestern National 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.
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Related
- Texas acquisitions
- California acquisitions
- Washington acquisitions
- Gasoline Stations with Convenience Stores
- Hotels (except Casino Hotels) and Motels
- Limited-Service Restaurants
- All lenders
Figures are aggregates of public SBA data. This page is not provided or endorsed by Southwestern National Bank.