Pinnacle Bank
- Loans
- 64
- Approved
- $98M
- Median deal
- $962,600
- Median rate
- 9.25%
- Charged off
- 0.92%
#35 of 249 by loans, FY2025 to FY2026 Q3
gross approvals
national $709,300
national 9.25% at approval
217 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: 28 loans approved through June 30, 2026.
| Fiscal year | Loans |
|---|---|
| FY2020 | 77 |
| FY2021 | 73 |
| FY2022 | 67 |
| FY2023 | 64 |
| FY2024 | 30 |
| FY2025 | 36 |
| FY2026 (partial year, through June 30, 2026) | 28 |
How they lend
Across 64 change-of-ownership loans, FY2025 to FY2026 Q3.
Acquisition share of their 7(a) lending
Acquisitions 375 (24.2%)Other purposes 1,174 (75.8%)
Their full 7(a) book since FY2020 is 1,549 loans. Every other figure on this page counts the 375 acquisition loans only.
Initial rate structure
Variable 98.44%Fixed 1.56%
- Middle half of rates
- 9.00% to 9.75%
- Typical margin over Prime
- Prime + 2.25% at approval (63 variable loans)
- Recent median rate
- 9.00% (n = 20, Jan 1 to Jun 30, 2026)
- Median term
- 120 months
- Collateral reported
- 95.31% of loans
- Sold on the secondary market
- 62.50% of loans
- Franchise loans
- 7.81% of loans
- Approval to first disbursement
- 31 days (n = 46)
Processing method
| Preferred Lenders Program | 85.94% | |
| SBA Express Program | 12.50% | |
| 7a General | 1.56% |
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 64 change-of-ownership loans, FY2025 to FY2026 Q3.
Top industries
| Construction | 15.63% | |
| Professional, Scientific, and Technical Services | 15.63% | |
| Health Care and Social Assistance | 12.50% | |
| Accommodation and Food Services | 10.94% | |
| Manufacturing | 9.38% |
Deal size mix
Under $350K 20.31%$350K to $1M 31.25%$1M to $3.5M 35.94%$3.5M+ 12.50%
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.
- Tennessee14 loans
- Florida9 loans
- North Carolina9 loans
- South Carolina7 loans
- Georgia5 loans
Grouped by ProjectState. State names link to the state lender pages where one exists.
Pinnacle Bank: SBA acquisition lending, answered
Does Pinnacle Bank make SBA acquisition loans?
Yes. Pinnacle Bank was approved for 375 SBA 7(a) change-of-ownership loans since FY2020, including 64 in FY2025 to FY2026 Q3. That ranks it #35 of 249 acquisition lenders by loan count in that window. Acquisitions are 24.2% of its 7(a) lending; the rest are startups, expansions, and working capital.
What interest rates does Pinnacle Bank charge on SBA loans?
Across its FY2025 to FY2026 Q3 acquisition loans, the median rate at approval was 9.25%, against a national median of 9.25%. Half of them started between 9.00% 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 Pinnacle Bank's SBA acquisition loans?
The median deal was $962,600, against a national median of $709,300. In total it has approved $98M in gross change-of-ownership loans over FY2025 to FY2026 Q3.
How fast does Pinnacle Bank fund an SBA loan?
Across the 46 loans that report both dates, the median time from approval to first disbursement was 31 days. Actual timelines vary with the deal and the documentation.
What kinds of businesses does Pinnacle Bank finance?
Its FY2025 to FY2026 Q3 acquisition loans concentrate in Construction and Professional, Scientific, and Technical Services. 7.81% of its acquisition loans went to franchises. The full industry and deal-size mix is above.
What is Pinnacle Bank's SBA loan charge-off rate?
Of the 217 acquisition loans it approved in the FY2020-22 cohort, 0.92% 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 Pinnacle 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.