US Metro Bank: SBA business acquisition lending record
US Metro Bank (home state CA) approved 147 SBA 7(a) loans to buy existing businesses since FY2018, totaling $314M. The median loan was $1,848,000. It ranks number 67 of 280 lenders by count and made 0.3% 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 $821,500 and $3,037,500. If your deal sits well outside that band, this lender may be less practiced at it.
- Geographic reach. California is the largest state (30% of loans). Loans appear in at least 15 states, which points to a national lender.
- Industry concentration. Hotels (except Casino Hotels) and Motels is 40% of its acquisition loans. This is a specialist pattern.
- Overall 7(a) volume. 700 SBA 7(a) loans of any purpose since FY2020, totaling $1.4B. 100% of its acquisition loans were processed under the Preferred Lenders Program.
- Franchise share. 44% 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.
US Metro Bank acquisition loans by year
| Fiscal year | Loans | Total approved | Median loan | |
|---|---|---|---|---|
| FY2018 | 2 | $1.8M | $910,000 | |
| FY2019 | 5 | $7.2M | $630,000 | |
| FY2020 | 3 | $4.6M | $1,329,000 | |
| FY2021 | 0 | $0 | - | |
| FY2022 | 4 | $14.6M | $3,450,000 | |
| FY2023 | 8 | $28M | $3,505,000 | |
| FY2024 | 2 | $8.1M | $4,037,500 | |
| FY2025 | 31 | $67.8M | $1,900,000 | |
| FY2026 | 92 | $182M | $1,624,000 |
How often do these acquisition loans fail?
Fewer than 20 US Metro 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.
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States served
| # | State | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | California | 44 | 29.9% | $85.4M | |
| 2 | Texas | 22 | 15.0% | $59.7M | |
| 3 | Washington | 19 | 12.9% | $41.5M | |
| 4 | Colorado | 8 | 5.4% | $25.5M | |
| 5 | Maryland | 7 | 4.8% | $7.8M | |
| 6 | Virginia | 6 | 4.1% | $11.9M | |
| 7 | Georgia | 5 | 3.4% | $10.5M | |
| 8 | New York | 5 | 3.4% | $7.9M | |
| 9 | New Mexico | 3 | 2.0% | $9.5M | |
| 10 | Oklahoma | 3 | 2.0% | $3.8M | |
| 11 | Idaho | 2 | 1.4% | $7M | |
| 12 | Wisconsin | 2 | 1.4% | $5.9M | |
| 13 | Minnesota | 2 | 1.4% | $5.7M | |
| 14 | Illinois | 2 | 1.4% | $3.6M | |
| 15 | Tennessee | 2 | 1.4% | $3.4M |
Industries financed
| # | Industry | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | Hotels (except Casino Hotels) and Motels | 59 | 40.1% | $173M | |
| 2 | Gasoline Stations with Convenience Stores | 26 | 17.7% | $59.8M | |
| 3 | Beer, Wine, and Liquor Retailers | 19 | 12.9% | $21M | |
| 4 | Full-Service Restaurants | 8 | 5.4% | $9.5M | |
| 5 | Assisted Living Facilities for the Elderly | 6 | 4.1% | $12.4M | |
| 6 | Limited-Service Restaurants | 6 | 4.1% | $3.8M | |
| 7 | Convenience Retailers | 4 | 2.7% | $6.7M | |
| 8 | Supermarkets and Other Grocery Retailers (except Convenience Retailers) | 3 | 2.0% | $4.6M | |
| 9 | Drycleaning and Laundry Services (except Coin-Operated) | 1 | 0.7% | $3.3M | |
| 10 | Car Washes | 1 | 0.7% | $3M |
That draft favors the seller. We review it for the buyer, line by line.
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Franchise brands financed
| # | Franchise | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | Super 8 | 7 | 4.8% | $15.1M | |
| 2 | HomeTowne Studios by Red Roof | 3 | 2.0% | $14.2M | |
| 3 | Econo Lodge | 3 | 2.0% | $5.7M | |
| 4 | Hampton Inn | 2 | 1.4% | $10M | |
| 5 | Country Inn and Suites by Radisson | 2 | 1.4% | $8.4M | |
| 6 | Best Western | 2 | 1.4% | $7.1M | |
| 7 | Quality Inn | 2 | 1.4% | $6.5M | |
| 8 | Travelodge | 2 | 1.4% | $5.4M | |
| 9 | Sleep Inn | 2 | 1.4% | $5M | |
| 10 | Sunoco | 2 | 1.4% | $2.4M |
Questions buyers ask
Does US Metro Bank make SBA acquisition loans?
Yes. US Metro Bank approved 147 SBA 7(a) loans to buy existing businesses from FY2018 to FY2026, ranking number 67 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 US Metro Bank's acquisition loans?
The median was $1,848,000, with the middle half between $821,500 and $3,037,500. The national median is $645,250, so this lender's typical loan is 186% higher than the national figure.
Which states does US Metro Bank lend in?
California (44), Texas (22), Washington (19), Colorado (8), Maryland (7), Virginia (6). Its loans span at least 15 states.
Which industries does US Metro Bank finance?
Hotels (except Casino Hotels) and Motels (59), Gasoline Stations with Convenience Stores (26), Beer, Wine, and Liquor Retailers (19), Full-Service Restaurants (8), Assisted Living Facilities for the Elderly (6). The top industry is 40% of its acquisition loans.
How have US Metro 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
- California acquisitions
- Texas acquisitions
- Washington acquisitions
- Hotels (except Casino Hotels) and Motels
- Gasoline Stations with Convenience Stores
- Beer, Wine, and Liquor Retailers
- All lenders
Figures are aggregates of public SBA data. This page is not provided or endorsed by US Metro Bank.