Midwest Regional Bank
- Loans
- 75
- Approved
- $82M
- Median deal
- $616,000
- Median rate
- 10.25%
- Charged off
- 3.28%
#28 of 249 by loans, FY2025 to FY2026 Q3
gross approvals
national $709,300
national 9.25% at approval
122 FY2020-22 loans
Charge-off means SBA wrote the loan off as a loss. The rate covers the FY2020-22 approval cohort, not the window above, because recent loans have had less time to go bad, and is shown only for lenders with 100 or more cohort loans. Charge-off rates across all 31 lenders
Loans per fiscal year
FY2026 is partial: 29 loans approved through June 30, 2026.
| Fiscal year | Loans |
|---|---|
| FY2020 | 50 |
| FY2021 | 49 |
| FY2022 | 23 |
| FY2023 | 4 |
| FY2024 | 21 |
| FY2025 | 46 |
| FY2026 (partial year, through June 30, 2026) | 29 |
How they lend
Across 75 change-of-ownership loans, FY2025 to FY2026 Q3.
Acquisition share of their 7(a) lending
Acquisitions 222 (29.8%)Other purposes 524 (70.2%)
Their full 7(a) book since FY2020 is 746 loans. Every other figure on this page counts the 222 acquisition loans only.
Initial rate structure
Variable 100.00%Fixed 0.00%
- Middle half of rates
- 9.50% to 10.25%
- Typical margin over Prime
- Prime + 2.75% at approval (75 variable loans)
- Recent median rate
- 9.50% (n = 19, Jan 1 to Jun 30, 2026)
- Median term
- 120 months
- Collateral reported
- 100.00% of loans
- Sold on the secondary market
- 72.00% of loans
- Franchise loans
- 10.67% of loans
- Approval to first disbursement
- 30 days (n = 56)
Processing method
| Preferred Lenders Program | 88.00% | |
| 7a General | 8.00% | |
| Working Capital CAPLine | 2.67% | |
| International Trade Loans | 1.33% |
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 75 change-of-ownership loans, FY2025 to FY2026 Q3.
Top industries
| Accommodation and Food Services | 20.00% | |
| Retail Trade | 16.00% | |
| Construction | 10.67% | |
| Manufacturing | 8.00% | |
| Wholesale Trade | 8.00% |
Deal size mix
Under $350K 24.00%$350K to $1M 42.67%$1M to $3.5M 29.33%$3.5M+ 4.00%
Top franchises The UPS Store (3)
Sectors from each loan’s NAICS code; deal sizes from gross approval amounts. Window loans only.
Midwest Regional Bank: SBA acquisition lending, answered
Does Midwest Regional Bank make SBA acquisition loans?
Yes. Midwest Regional Bank was approved for 222 SBA 7(a) change-of-ownership loans since FY2020, including 75 in FY2025 to FY2026 Q3. That ranks it #28 of 249 acquisition lenders by loan count in that window. Acquisitions are 29.8% of its 7(a) lending; the rest are startups, expansions, and working capital.
What interest rates does Midwest Regional Bank charge on SBA loans?
Across its FY2025 to FY2026 Q3 acquisition loans, the median rate at approval was 10.25%, against a national median of 9.25%. Half of them started between 9.50% and 10.25%. 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 Midwest Regional Bank's SBA acquisition loans?
The median deal was $616,000, against a national median of $709,300. In total it has approved $82M in gross change-of-ownership loans over FY2025 to FY2026 Q3.
How fast does Midwest Regional Bank fund an SBA loan?
Across the 56 loans that report both dates, the median time from approval to first disbursement was 30 days. Actual timelines vary with the deal and the documentation.
What kinds of businesses does Midwest Regional Bank finance?
Its FY2025 to FY2026 Q3 acquisition loans concentrate in Accommodation and Food Services and Retail Trade. 10.67% of its acquisition loans went to franchises. The full industry and deal-size mix is above.
What is Midwest Regional Bank's SBA loan charge-off rate?
Of the 122 acquisition loans it approved in the FY2020-22 cohort, 3.28% were later charged off, meaning SBA wrote the loan off as a loss. Charge-off rates are shown only for lenders with 100 or more cohort loans, since recent loans have had less time to season.
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 Midwest Regional Bank. 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.