Bank of Oak Ridge
- Loans
- 19
- Approved
- $17M
- Median deal
- $660,000
- Median rate
- 9.50%
#110 of 249 by loans, FY2025 to FY2026 Q3
gross approvals
national $709,300
national 9.25% at approval
Loans per fiscal year
FY2026 is partial: 7 loans approved through June 30, 2026.
| Fiscal year | Loans |
|---|---|
| FY2020 | 2 |
| FY2021 | 3 |
| FY2022 | 11 |
| FY2023 | 5 |
| FY2024 | 8 |
| FY2025 | 12 |
| FY2026 (partial year, through June 30, 2026) | 7 |
How they lend
Across 19 change-of-ownership loans, FY2025 to FY2026 Q3.
Acquisition share of their 7(a) lending
Acquisitions 48 (25.0%)Other purposes 144 (75.0%)
Their full 7(a) book since FY2020 is 192 loans. Every other figure on this page counts the 48 acquisition loans only.
Initial rate structure
Variable 100.00%Fixed 0.00%
- Middle half of rates
- 9.25% to 9.75%
- Typical margin over Prime
- Prime + 2.25% at approval (19 variable loans)
- Median term
- 120 months
- Collateral reported
- 100.00% of loans
- Sold on the secondary market
- 26.32% of loans
- Franchise loans
- 42.11% of loans
- Approval to first disbursement
- 29 days (n = 13)
Processing method
| Preferred Lenders Program | 94.74% | |
| SBA Express Program | 5.26% |
SBA processing-method labels as they appear in the loan file, as shares of this lender’s window loans.
What they fund
Industries and deal sizes across 19 change-of-ownership loans, FY2025 to FY2026 Q3.
Top industries
| Accommodation and Food Services | 26.32% | |
| Retail Trade | 26.32% | |
| Professional, Scientific, and Technical Services | 15.79% | |
| Construction | 10.53% | |
| Other Services (except Public Administration) | 10.53% |
Deal size mix
Under $350K 5.26%$350K to $1M 63.16%$1M to $3.5M 31.58%$3.5M+ 0.00%
Top franchises Pet Supplies Plus (3)
Sectors from each loan’s NAICS code; deal sizes from gross approval amounts. Window loans only.
Where they lend
Top states by this lender’s change-of-ownership loans, FY2025 to FY2026 Q3.
- North Carolina9 loans
- Virginia8 loans
- Maryland1 loan
- South Carolina1 loan
Grouped by ProjectState. State names link to the state lender pages where one exists.
Bank of Oak Ridge: SBA acquisition lending, answered
Does Bank of Oak Ridge make SBA acquisition loans?
Yes. Bank of Oak Ridge was approved for 48 SBA 7(a) change-of-ownership loans since FY2020, including 19 in FY2025 to FY2026 Q3. That ranks it #110 of 249 acquisition lenders by loan count in that window. Acquisitions are 25.0% of its 7(a) lending; the rest are startups, expansions, and working capital.
What interest rates does Bank of Oak Ridge charge on SBA loans?
Across its FY2025 to FY2026 Q3 acquisition loans, the median rate at approval was 9.50%, against a national median of 9.25%. Half of them started between 9.25% and 9.75%. Its variable-rate loans priced around Prime + 2.25%. Most 7(a) loans float over Prime, so these are rates at approval, not what a borrower pays today.
How large are Bank of Oak Ridge's SBA acquisition loans?
The median deal was $660,000, against a national median of $709,300. In total it has approved $17M in gross change-of-ownership loans over FY2025 to FY2026 Q3.
How fast does Bank of Oak Ridge fund an SBA loan?
Across the 13 loans that report both dates, the median time from approval to first disbursement was 29 days. Actual timelines vary with the deal and the documentation.
What kinds of businesses does Bank of Oak Ridge finance?
Its FY2025 to FY2026 Q3 acquisition loans concentrate in Accommodation and Food Services and Retail Trade. 42.11% of its acquisition loans went to franchises. The full industry and deal-size mix is above.
Run a deal at these rates
The deal analyzer prices an acquisition with current SBA terms and shows whether the numbers cover the debt.
Open the deal analyzerThe full lender directory
Every 7(a) acquisition lender in the country, searchable and sortable, with loan counts, medians, and rates.
Browse all lendersSource: SBA 7(a) FOIA file, change-of-ownership loans for Bank of Oak Ridge. Window stats cover FY2025 to FY2026 Q3, as of June 30, 2026, and refresh with each quarterly cut. Rates and rate quartiles are the rates at approval. Website, headquarters, assets, founding year, and office count come from the FDIC BankFind Suite API and, for credit unions, the NCUA Credit Union Locator (public US government data). Methodology. See an error? Email us and we will correct it.