InBank
Headquartered in Raton, NM. Analysis based on 103 SBA 7(a) loans approved between FY2020 and 2025-12-31, totaling $138.0M.
Total 7(a) loans
103
Total approved
$138.0M
Average loan
$1.3M
States funded in
17
Charge-off rate
0.00%
FY2020–FY2023 cohort
Paid-in-full rate
16.33%
Average rate
8.97%
Average term
143 mo
Top 10 industries financed
| NAICS | Industry | Loans |
|---|---|---|
| 484110 | General Freight Trucking, Local | 6 |
| 722511 | Full-Service Restaurants | 6 |
| 722513 | Limited-Service Restaurants | 5 |
| 325411 | Medicinal and Botanical Manufacturing | 3 |
| 238990 | All Other Specialty Trade Contractors | 3 |
| 541990 | All Other Professional, Scientific, and Technical Services | 3 |
| 541613 | Marketing Consulting Services | 3 |
| 238320 | Painting and Wall Covering Contractors | 2 |
| 238150 | Glass and Glazing Contractors | 2 |
| 561730 | Landscaping Services | 2 |
Top 10 states
| State | Loans |
|---|---|
| CO | 57 |
| CA | 13 |
| AZ | 7 |
| TX | 4 |
| NE | 3 |
| FL | 3 |
| NY | 3 |
| NJ | 2 |
| OH | 2 |
| NV | 2 |
Top franchise brands financed
9 franchise loans across 8 distinct brands.
| Franchise | Loans |
|---|---|
| The Glass Guru | 2 |
| Mici Handcrafted Italian | 1 |
| World Fuel Services - Wholesal | 1 |
| Ziggi's Coffee | 1 |
| KidStrong | 1 |
| Payroll Vault | 1 |
| Restoration 1 | 1 |
| Bonchon | 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.