Touchmark National Bank: SBA business acquisition lending record
Touchmark National Bank (home state GA) approved 25 SBA 7(a) loans to buy existing businesses since FY2018, totaling $38M. The median loan was $1,000,000. It ranks number 280 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.
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What this tells a borrower
- Deal size it funds. Half of its acquisition loans fell between $374,000 and $2,555,000. If your deal sits well outside that band, this lender may be less practiced at it.
- Geographic reach. Georgia is the largest state (24% of loans). Loans appear in only 14 states, which points to a regional lender.
- Industry concentration. Hotels (except Casino Hotels) and Motels is 40% of its acquisition loans. This is a specialist pattern.
- Overall 7(a) volume. 50 SBA 7(a) loans of any purpose since FY2020, totaling $67.7M. 92% of its acquisition loans were processed under the Preferred Lenders Program.
- Franchise share. 40% of its acquisition loans involved a franchise brand, against 18% for all lenders.
- Seasoned performance. Of its loans from FY2018 to FY2021: none charged off, against the 3.5% national average.
Touchmark National Bank acquisition loans by year
| Fiscal year | Loans | Total approved | Median loan | |
|---|---|---|---|---|
| FY2018 | 1 | $1.7M | $1,700,000 | |
| FY2019 | 5 | $10.7M | $1,525,000 | |
| FY2020 | 13 | $9.2M | $374,000 | |
| FY2021 | 6 | $16.4M | $2,921,100 | |
| FY2022 | 0 | $0 | - | |
| FY2023 | 0 | $0 | - | |
| FY2024 | 0 | $0 | - | |
| FY2025 | 0 | $0 | - | |
| FY2026 | 0 | $0 | - |
How often do these acquisition loans fail?
Of the 25 Touchmark National Bank acquisition loans approved from FY2018 to FY2021 (the seasoned cohort, every loan at least about five years old), none have been charged off by the SBA. 13 have already been paid in full.
For comparison, Touchmark National Bank has none charged off, against the 3.5% average across all SBA 7(a) acquisition loans in the same cohort. 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
| # | State | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | Georgia | 6 | 24.0% | $6.9M | |
| 2 | Texas | 3 | 12.0% | $8.6M | |
| 3 | Alabama | 3 | 12.0% | $3M | |
| 4 | Florida | 2 | 8.0% | $3.3M | |
| 5 | Missouri | 2 | 8.0% | $561K | |
| 6 | Virginia | 1 | 4.0% | $5M | |
| 7 | Kentucky | 1 | 4.0% | $3.6M | |
| 8 | Michigan | 1 | 4.0% | $3.1M | |
| 9 | U.S. Virgin Islands | 1 | 4.0% | $1.5M | |
| 10 | Nevada | 1 | 4.0% | $989K | |
| 11 | Arizona | 1 | 4.0% | $414K | |
| 12 | Louisiana | 1 | 4.0% | $374K | |
| 13 | New York | 1 | 4.0% | $364K | |
| 14 | Illinois | 1 | 4.0% | $342K |
Industries financed
| # | Industry | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | Hotels (except Casino Hotels) and Motels | 10 | 40.0% | $27.2M | |
| 2 | Insurance Agencies and Brokerages | 9 | 36.0% | $6.3M | |
| 3 | Jewelry Retailers | 1 | 4.0% | $1.5M | |
| 4 | Gasoline Stations with Convenience Stores | 1 | 4.0% | $1M | |
| 5 | Full-Service Restaurants | 1 | 4.0% | $650K | |
| 6 | Private Mail Centers | 1 | 4.0% | $332K |
The purchase agreement decides what you bought, not the loan approval.
Request Engagement AssessmentAlex Lubyansky leads every engagement.
Franchise brands financed
| # | Franchise | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | La Quinta | 1 | 4.0% | $4.3M | |
| 2 | Red Roof Inn | 1 | 4.0% | $3.6M | |
| 3 | Red Lion Hotels | 1 | 4.0% | $3.1M | |
| 4 | Holiday Inn Express | 1 | 4.0% | $2.8M | |
| 5 | Quality Inn | 1 | 4.0% | $2.6M | |
| 6 | Rodeway Inn | 1 | 4.0% | $1.7M | |
| 7 | Super 8 | 1 | 4.0% | $1.3M | |
| 8 | The UPS Store | 1 | 4.0% | $332K |
Questions buyers ask
Does Touchmark National Bank make SBA acquisition loans?
Yes. Touchmark National Bank approved 25 SBA 7(a) loans to buy existing businesses from FY2018 to FY2026, ranking number 280 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 Touchmark National Bank's acquisition loans?
The median was $1,000,000, with the middle half between $374,000 and $2,555,000. The national median is $645,250, so this lender's typical loan is 55% higher than the national figure.
Which states does Touchmark National Bank lend in?
Georgia (6), Texas (3), Alabama (3), Florida (2), Missouri (2), Virginia (1). Its loans appear in 14 states, so it is closer to a regional lender.
Which industries does Touchmark National Bank finance?
Hotels (except Casino Hotels) and Motels (10), Insurance Agencies and Brokerages (9), Jewelry Retailers (1), Gasoline Stations with Convenience Stores (1), Full-Service Restaurants (1). The top industry is 40% of its acquisition loans.
How have Touchmark National Bank's acquisition loans performed?
Of 25 loans approved FY2018 to FY2021: none charged off, against the 3.5% national acquisition average. Charge-offs reflect the borrowers and industries a lender serves as well as its underwriting.
That draft favors the seller. We review it for the buyer, line by line.
Submit Transaction DetailsAlex Lubyansky leads every engagement.
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Related
- Georgia acquisitions
- Texas acquisitions
- Alabama acquisitions
- Hotels (except Casino Hotels) and Motels
- Insurance Agencies and Brokerages
- Jewelry Retailers
- All lenders
Figures are aggregates of public SBA data. This page is not provided or endorsed by Touchmark National Bank.