Capital Bank, National Association
Headquartered in ROCKVILLE, MD. Analysis based on 606 SBA 7(a) loans approved between FY2020 and 2025-12-31, totaling $352.1M.
Total 7(a) loans
606
Total approved
$352.1M
Average loan
$581K
States funded in
40
Charge-off rate
2.46%
FY2020–FY2023 cohort
Paid-in-full rate
24.78%
Average rate
8.21%
Average term
129 mo
Top 10 industries financed
| NAICS | Industry | Loans |
|---|---|---|
| 524210 | Insurance Agencies and Brokerages | 36 |
| 541110 | Offices of Lawyers | 27 |
| 541990 | All Other Professional, Scientific, and Technical Services | 27 |
| 541511 | Custom Computer Programming Services | 16 |
| 541330 | Engineering Services | 15 |
| 621111 | Offices of Physicians (except Mental Health Specialists) | 11 |
| 713990 | All Other Amusement and Recreation Industries | 11 |
| 541512 | Computer Systems Design Services | 10 |
| 236118 | Residential Remodelers | 10 |
| 541211 | Offices of Certified Public Accountants | 10 |
Top 10 states
| State | Loans |
|---|---|
| VA | 71 |
| MD | 70 |
| CA | 60 |
| FL | 56 |
| NC | 45 |
| TX | 43 |
| NY | 35 |
| GA | 34 |
| IL | 20 |
| SC | 19 |
Top franchise brands financed
66 franchise loans across 46 distinct brands.
| Franchise | Loans |
|---|---|
| PuroClean | 7 |
| Paul Davis Restoration | 4 |
| Goosehead Insurance | 4 |
| Pedal Pub | 3 |
| The UPS Store (f/k/a Mail Box | 2 |
| Massage Heights | 2 |
| Play Street Museum | 2 |
| FocalPoint Coaching | 2 |
| 911 Restoration | 2 |
| Batteries Plus | 2 |
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Data source & methodology
All figures computed from the SBA Office of Capital Access FOIA dataset (7(a) loans, FY2020–present, as of 2025-12-31). Charge-off and paid-in-full rates are calculated on the FY2020–FY2023 cohort only, so loans have had time to mature. Charge-off rank covers lenders with ≥500 mature loans.