Sunflower Bank National Association: SBA business acquisition lending record
Sunflower Bank National Association (home state TX) approved 81 SBA 7(a) loans to buy existing businesses since FY2018, totaling $94.3M. The median loan was $750,000. It ranks number 118 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 $1,522,200. If your deal sits well outside that band, this lender may be less practiced at it.
- Geographic reach. Colorado is the largest state (23% of loans). Loans appear in only 12 states, which points to a regional lender.
- Industry concentration. Industrial Machinery and Equipment Merchant Wholesalers is 6% of its acquisition loans. The mix is spread across several industries.
- Overall 7(a) volume. 337 SBA 7(a) loans of any purpose since FY2020, totaling $282M. 65% 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: 2.2% charged off, 38% lower than the 3.5% national average.
Sunflower Bank National Association acquisition loans by year
| Fiscal year | Loans | Total approved | Median loan | |
|---|---|---|---|---|
| FY2018 | 5 | $11M | $959,700 | |
| FY2019 | 4 | $3.7M | $570,350 | |
| FY2020 | 17 | $17.4M | $528,000 | |
| FY2021 | 20 | $17.8M | $619,650 | |
| FY2022 | 11 | $10.7M | $445,700 | |
| FY2023 | 8 | $11.2M | $894,050 | |
| FY2024 | 6 | $12M | $1,382,050 | |
| FY2025 | 10 | $10.4M | $477,700 | |
| FY2026 | 0 | $0 | - |
How often do these acquisition loans fail?
Of the 46 Sunflower Bank National Association acquisition loans approved from FY2018 to FY2021 (the seasoned cohort, every loan at least about five years old), 1 have been charged off by the SBA, a rate of 2.2% by loan count and 6.7% by dollars. 17 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 Sunflower Bank National Association is 38% lower 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 | Industrial Machinery and Equipment Merchant Wholesalers | 5 | 6.2% | $5.6M | |
| 2 | Glass and Glazing Contractors | 4 | 4.9% | $2.8M | |
| 3 | Automotive Body, Paint, and Interior Repair and Maintenance | 3 | 3.7% | $7.5M | |
| 4 | Electrical Contractors and Other Wiring Installation Contractors | 3 | 3.7% | $3.6M | |
| 5 | General Automotive Repair | 3 | 3.7% | $3.3M | |
| 6 | Cafeterias, Grill Buffets, and Buffets | 3 | 3.7% | $2M | |
| 7 | Landscaping Services | 3 | 3.7% | $1.6M | |
| 8 | All Other Specialty Trade Contractors | 2 | 2.5% | $5M | |
| 9 | Public Relations Agencies | 2 | 2.5% | $5M | |
| 10 | Lessors of Nonresidential Buildings (except Miniwarehouses) | 2 | 2.5% | $4.4M |
The purchase agreement decides what you bought, not the loan approval.
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Franchise brands financed
| # | Franchise | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | Pizza Ranch | 3 | 3.7% | $2M | |
| 2 | Firehouse Subs | 2 | 2.5% | $779K | |
| 3 | The UPS Store | 2 | 2.5% | $492K | |
| 4 | Batteries Plus | 1 | 1.2% | $1.2M |
Questions buyers ask
Does Sunflower Bank National Association make SBA acquisition loans?
Yes. Sunflower Bank National Association approved 81 SBA 7(a) loans to buy existing businesses from FY2018 to FY2026, ranking number 118 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 Sunflower Bank National Association's acquisition loans?
The median was $750,000, with the middle half between $300,000 and $1,522,200. The national median is $645,250, so this lender's typical loan is 16% higher than the national figure.
Which states does Sunflower Bank National Association lend in?
Colorado (19), Arizona (15), Texas (13), Missouri (12), Kansas (9), California (6). Its loans appear in 12 states, so it is closer to a regional lender.
Which industries does Sunflower Bank National Association finance?
Industrial Machinery and Equipment Merchant Wholesalers (5), Glass and Glazing Contractors (4), Automotive Body, Paint, and Interior Repair and Maintenance (3), Electrical Contractors and Other Wiring Installation Contractors (3), General Automotive Repair (3). The top industry is 6% of its acquisition loans.
How have Sunflower Bank National Association's acquisition loans performed?
Of 46 loans approved FY2018 to FY2021: 2.2% charged off, 38% lower 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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Related
- Colorado acquisitions
- Arizona acquisitions
- Texas acquisitions
- Industrial Machinery and Equipment Merchant Wholesalers
- Glass and Glazing Contractors
- Automotive Body, Paint, and Interior Repair and Maintenance
- All lenders
Figures are aggregates of public SBA data. This page is not provided or endorsed by Sunflower Bank National Association.