Capital One, National Association
Headquartered in MCLEAN, VA. Analysis based on 320 SBA 7(a) loans approved between FY2020 and 2025-12-31, totaling $323.1M.
Total 7(a) loans
320
Total approved
$323.1M
Average loan
$1.0M
States funded in
16
Charge-off rate
1.14%
FY2020–FY2023 cohort
Paid-in-full rate
15.34%
Average rate
7.14%
Average term
168 mo
Top 10 industries financed
| NAICS | Industry | Loans |
|---|---|---|
| 722513 | Limited-Service Restaurants | 29 |
| 621111 | Offices of Physicians (except Mental Health Specialists) | 11 |
| 624410 | Child Day Care Services | 9 |
| 236118 | Residential Remodelers | 7 |
| 611620 | Sports and Recreation Instruction | 6 |
| 812199 | Other Personal Care Services | 6 |
| 722515 | Snack and Nonalcoholic Beverage Bars | 6 |
| 541110 | Offices of Lawyers | 5 |
| 541511 | Custom Computer Programming Services | 5 |
| 238220 | Plumbing, Heating, and Air-Conditioning Contractors | 5 |
Top 10 states
| State | Loans |
|---|---|
| TX | 95 |
| FL | 54 |
| NY | 32 |
| VA | 21 |
| CA | 19 |
| AZ | 17 |
| LA | 16 |
| MD | 16 |
| IL | 11 |
| NJ | 10 |
Top franchise brands financed
60 franchise loans across 27 distinct brands.
| Franchise | Loans |
|---|---|
| Bahama Buck's Original Shaved | 10 |
| The Goddard School | 10 |
| Hand and Stone Massage and Fac | 5 |
| The UPS Store (f/k/a Mail Box | 4 |
| Tropical Smoothie Cafe | 3 |
| Jersey Mike's | 2 |
| D-BAT | 2 |
| Nothing Bundt Cakes | 2 |
| Servpro | 2 |
| Mountain Mike's Pizza | 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.