Capital Bank, National Association
- Loans
- 26
- Approved
- $27M
- Median deal
- $564,350
- Median rate
- 9.50%
#88 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: 16 loans approved through June 30, 2026.
| Fiscal year | Loans |
|---|---|
| FY2020 | 16 |
| FY2021 | 11 |
| FY2022 | 13 |
| FY2023 | 13 |
| FY2024 | 2 |
| FY2025 | 10 |
| FY2026 (partial year, through June 30, 2026) | 16 |
How they lend
Across 26 change-of-ownership loans, FY2025 to FY2026 Q3.
Acquisition share of their 7(a) lending
Acquisitions 81 (12.4%)Other purposes 572 (87.6%)
Their full 7(a) book since FY2020 is 653 loans. Every other figure on this page counts the 81 acquisition loans only.
Initial rate structure
Variable 92.31%Fixed 7.69%
- Middle half of rates
- 9.50% to 10.19%
- Typical margin over Prime
- Prime + 2.75% at approval (24 variable loans)
- Recent median rate
- 9.50% (n = 14, Jan 1 to Jun 30, 2026)
- Median term
- 120 months
- Collateral reported
- 100.00% of loans
- Sold on the secondary market
- 26.92% of loans
- Franchise loans
- 19.23% of loans
Processing method
| Preferred Lenders Program | 76.92% | |
| SBA Express Program | 23.08% |
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 26 change-of-ownership loans, FY2025 to FY2026 Q3.
Top industries
| Professional, Scientific, and Technical Services | 15.38% | |
| Administrative and Support and Waste Management and Remediation Services | 11.54% | |
| Arts, Entertainment, and Recreation | 11.54% | |
| Construction | 11.54% | |
| Retail Trade | 11.54% |
Deal size mix
Under $350K 42.31%$350K to $1M 26.92%$1M to $3.5M 23.08%$3.5M+ 7.69%
Sectors from each loan’s NAICS code; deal sizes from gross approval amounts. Window loans only.
Capital Bank, National Association: SBA acquisition lending, answered
Does Capital Bank, National Association make SBA acquisition loans?
Yes. Capital Bank, National Association was approved for 81 SBA 7(a) change-of-ownership loans since FY2020, including 26 in FY2025 to FY2026 Q3. That ranks it #88 of 249 acquisition lenders by loan count in that window. Acquisitions are 12.4% of its 7(a) lending; the rest are startups, expansions, and working capital.
What interest rates does Capital Bank, National Association 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 9.50% and 10.19%. Its variable-rate loans priced around Prime + 2.75%. Most 7(a) loans float over Prime, so these are rates at approval, not what a borrower pays today.
How large are Capital Bank, National Association's SBA acquisition loans?
The median deal was $564,350, against a national median of $709,300. In total it has approved $27M in gross change-of-ownership loans over FY2025 to FY2026 Q3.
What kinds of businesses does Capital Bank, National Association finance?
Its FY2025 to FY2026 Q3 acquisition loans concentrate in Professional, Scientific, and Technical Services and Administrative and Support and Waste Management and Remediation Services. 19.23% 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.
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Browse all lendersSource: SBA 7(a) FOIA file, change-of-ownership loans for Capital Bank, National Association. 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.