STRONG
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.
WEAK
States where they've done deals. Wider = easier if you're out of state.
Total SBA Loans
826
2010–2026
Total Volume
$631M
Gross loan amounts
States Active
11
With recorded loans
Programs
7(a) & 504
822 total segments
PlainsCapital Bank has a strong focus on existing businesses and startups, with nearly equal distribution (46% and 45% respectively). This makes them a suitable choice for both new entrepreneurs and established business owners seeking financing.
With an average 7(a) spread of P+1.96%, PlainsCapital 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.
The lender has a significant 504 loan presence, accounting for 17% of their total deals. This indicates they are well-equipped to handle real estate financing, which is beneficial if your business needs property-related funding.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 141 504 loans, which use fixed SBA debenture rates.
States where PlainsCapital Bank has recorded SBA lending activity.
+ 6 more states
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Restaurants & Food Service
Accommodation & Food Services
Manufacturing
Manufacturing
Other Health Practitioners
Health Care & Social Assistance
Specialty Trade Contractors
Construction
Wholesale Trade
Wholesale Trade
Auto Repair & Maintenance
Other Services
Physician & Dental Offices
Health Care & Social Assistance
Administrative & Waste Services
Administrative & Waste Services
+ 7 more
All recorded SBA lending activity for PlainsCapital Bank, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| Texas · Restaurants & Food Service · $150K – $350K | 7(a) | 30 | P+2.25% | $276K | Q4 2025 |
| Texas · Specialty Trade Contractors · Under $150K | 7(a) | 28 | P+3.25% | $100K | Q4 2025 |
| Texas · Restaurants & Food Service · $500K – $1M | 7(a) | 20 | P+2.13% | $726K | Q4 2025 |
| Texas · Manufacturing · Under $150K | 7(a) | 19 | P+2.75% | $89K | Q3 2025 |
| Texas · Administrative & Waste Services · Under $150K | 7(a) | 19 | P+3.00% | $93K | Q4 2025 |
| Texas · Other Health Practitioners · Under $150K | 7(a) | 18 | P+3.25% | $86K | Q3 2025 |
| Texas · Manufacturing · $1M – $2M | 7(a) | 15 | P+1.75% | $1.5M | Q4 2025 |
| Texas · Manufacturing · $150K – $350K | 7(a) | 14 | P+2.13% | $284K | Q3 2024 |
| Texas · Transportation & Warehousing · Under $150K | 7(a) | 12 | P+3.69% | $80K | Q4 2025 |
| Texas · Restaurants & Food Service · $500K – $1M | 504 | 11 | — | $715K | Q2 2021 |
| Texas · Miscellaneous Retail · Under $150K | 7(a) | 11 | P+3.25% | $77K | Q4 2025 |
| Texas · Wholesale Trade · $150K – $350K | 7(a) | 11 | P+2.00% | $302K | Q4 2024 |
| Texas · Restaurants & Food Service · $350K – $500K | 7(a) | 10 | P+2.13% | $456K | Q3 2024 |
| Texas · Manufacturing · $500K – $1M | 7(a) | 10 | P+1.25% | $756K | Q1 2025 |
| Texas · Other Health Practitioners · $350K – $500K | 7(a) | 10 | P+1.50% | $436K | Q3 2024 |
| Texas · Management & IT Consulting · Under $150K | 7(a) | 10 | P+3.25% | $97K | Q2 2025 |
| Texas · Restaurants & Food Service · Under $150K | 7(a) | 9 | P+2.75% | $94K | Q3 2025 |
| Texas · Arts, Entertainment & Recreation · $500K – $1M | 7(a) | 9 | P+1.00% | $783K | Q3 2024 |
| Texas · Auto Repair & Maintenance · Under $150K | 7(a) | 9 | P+2.75% | $117K | Q2 2025 |
| Texas · Wholesale Trade · $1M – $2M | 7(a) | 9 | P+2.00% | $1.6M | Q1 2024 |
| Texas · Other Health Practitioners · $150K – $350K | 7(a) | 9 | P+1.25% | $238K | Q1 2025 |
| Texas · Restaurants & Food Service · $2M – $5M | 7(a) | 8 | P+0.88% | $2.9M | Q3 2025 |
| Texas · Wholesale Trade · Under $150K | 7(a) | 8 | P+3.25% | $70K | Q1 2025 |
| Texas · Wholesale Trade · $2M – $5M | 7(a) | 8 | P+1.25% | $3.7M | Q2 2025 |
| Texas · Physician & Dental Offices · Under $150K | 7(a) | 8 | P+3.25% | $100K | Q4 2025 |
Get a free personalized report comparing this lender against the best matches for your specific situation.
Free. No broker fees. Results in 10-15 minutes.
Real experiences from borrowers who closed SBA loans with PlainsCapital Bank.
No reviews yet. Be the first to review PlainsCapital Bank.
Listen to acquisition entrepreneurs share their experience
Matched to real SBA lending records. LenderHawk is not affiliated with or endorsed by these podcasts.