Guaranty Bank
Headquartered in SPRINGFIELD, MO. Analysis based on 129 SBA 7(a) loans approved between FY2020 and 2025-12-31, totaling $49.0M.
Total 7(a) loans
129
Total approved
$49.0M
Average loan
$380K
States funded in
3
Charge-off rate
2.40%
FY2020–FY2023 cohort
Paid-in-full rate
41.60%
Average rate
6.59%
Average term
159 mo
Top 10 industries financed
| NAICS | Industry | Loans |
|---|---|---|
| 722513 | Limited-Service Restaurants | 7 |
| 541211 | Offices of Certified Public Accountants | 5 |
| 713940 | Fitness and Recreational Sports Centers | 4 |
| 484220 | Specialized Freight (except Used Goods) Trucking, Local | 4 |
| 238210 | Electrical Contractors | 4 |
| 624410 | Child Day Care Services | 4 |
| 812310 | Coin-Operated Laundries and Drycleaners | 3 |
| 524210 | Insurance Agencies and Brokerages | 3 |
| 335314 | Relay and Industrial Control Manufacturing | 3 |
| 621111 | Offices of Physicians (except Mental Health Specialists) | 3 |
Top 10 states
| State | Loans |
|---|---|
| MO | 125 |
| KS | 3 |
| AR | 1 |
Top franchise brands financed
8 franchise loans across 8 distinct brands.
| Franchise | Loans |
|---|---|
| Farmers Insurance Agent Appoin | 1 |
| Anytime Fitness | 1 |
| Goosehead Insurance | 1 |
| Petland/Safari Stan's | 1 |
| Painting With A Twist | 1 |
| Benjamin Franklin Plumbing | 1 |
| 9Round | 1 |
| One Hour Air Conditioning & He | 1 |
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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.