GOOD
How competitive are their spreads? Lower = better for you.
STRONG
Total SBA loans closed. More deals = more experience.
GOOD
How many industries do they lend in? More = flexible.
STRONG
States where they've done deals. Wider = easier if you're out of state.
Total SBA Loans
1,207
2010–2026
Total Volume
$933M
Gross loan amounts
States Active
46
With recorded loans
Programs
7(a) & 504
1206 total segments
Capital Bank has a strong focus on existing businesses, making up 59% of their deals. This is beneficial if you're looking to expand or refinance an established operation.
With an average 7(a) spread of P+2.47%, Capital Bank offers competitive pricing compared to the national median of P+2.75%. This could save you money on interest over the life of your loan.
Despite a diverse portfolio, Capital Bank's 504 loans only represent 5% of their total deals, indicating they are not the best choice if you're specifically seeking 504 financing for real estate or equipment.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 61 504 loans, which use fixed SBA debenture rates.
Top 15 of 46 states where Capital Bank, National Association has recorded SBA lending activity.
+ 10 more states
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Management & IT Consulting
Professional Services
Restaurants & Food Service
Accommodation & Food Services
Finance & Insurance
Finance & Insurance
Manufacturing
Manufacturing
Arts, Entertainment & Recreation
Arts, Entertainment & Recreation
Hotels & Accommodation
Accommodation & Food Services
Wholesale Trade
Wholesale Trade
Administrative & Waste Services
Administrative & Waste Services
+ 7 more
All recorded SBA lending activity for Capital Bank, National Association, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| Maryland · Management & IT Consulting · $150K – $350K | 7(a) | 13 | P+2.00% | $289K | Q1 2024 |
| Virginia · Management & IT Consulting · $150K – $350K | 7(a) | 10 | P+2.75% | $290K | Q4 2025 |
| Maryland · Retail Trade · Under $150K | 7(a) | 7 | P+2.00% | $107K | Q2 2019 |
| Maryland · Restaurants & Food Service · Under $150K | 7(a) | 6 | P+2.25% | $92K | Q4 2025 |
| North Carolina · Hotels & Accommodation · $1M – $2M | 7(a) | 6 | P+2.25% | $1.5M | Q4 2016 |
| Maryland · Other Professional Services · Under $150K | 7(a) | 6 | P+2.00% | $88K | Q2 2025 |
| Maryland · Specialty Trade Contractors · Under $150K | 7(a) | 6 | P+2.38% | $99K | Q1 2020 |
| Texas · Management & IT Consulting · $150K – $350K | 7(a) | 6 | P+2.75% | $292K | Q3 2023 |
| Virginia · Management & IT Consulting · Under $150K | 7(a) | 6 | P+0.38% | $133K | Q3 2024 |
| South Carolina · Arts, Entertainment & Recreation · $150K – $350K | 7(a) | 6 | P+2.00% | $313K | Q1 2020 |
| California · Management & IT Consulting · $150K – $350K | 7(a) | 6 | P+2.75% | $238K | Q3 2024 |
| Maryland · Building Construction · Under $150K | 7(a) | 6 | P+2.75% | $106K | Q4 2016 |
| North Carolina · Hotels & Accommodation · $2M – $5M | 7(a) | 6 | P+1.75% | $2.8M | Q2 2017 |
| Texas · Personal Care (Salons, Spas) · $150K – $350K | 7(a) | 5 | P+2.50% | $270K | Q1 2015 |
| Florida · Finance & Insurance · $150K – $350K | 7(a) | 5 | P+2.75% | $283K | Q2 2024 |
| Pennsylvania · Manufacturing · $150K – $350K | 7(a) | 5 | P+2.75% | $264K | Q4 2018 |
| Maryland · Manufacturing · Under $150K | 7(a) | 5 | P+3.00% | $90K | Q3 2023 |
| Virginia · Restaurants & Food Service · $500K – $1M | 7(a) | 5 | P+2.75% | $725K | Q1 2025 |
| Maryland · Restaurants & Food Service · $150K – $350K | 7(a) | 5 | P+2.00% | $290K | Q2 2022 |
| California · Physician & Dental Offices · $150K – $350K | 7(a) | 4 | P+2.75% | $288K | Q3 2025 |
| Maryland · Specialty Trade Contractors · $150K – $350K | 7(a) | 4 | P+2.25% | $225K | Q3 2024 |
| Virginia · Finance & Insurance · $150K – $350K | 7(a) | 4 | P+3.50% | $311K | Q4 2021 |
| Virginia · Transportation & Warehousing · $500K – $1M | 7(a) | 4 | P+2.25% | $752K | Q3 2023 |
| Virginia · Restaurants & Food Service · $150K – $350K | 7(a) | 4 | P+2.38% | $288K | Q3 2019 |
| Maryland · Manufacturing · $150K – $350K | 7(a) | 4 | P+2.63% | $293K | Q3 2015 |
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Real experiences from borrowers who closed SBA loans with Capital Bank, National Association.
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