PlainsCapital Bank
Headquartered in DALLAS, TX. Analysis based on 357 SBA 7(a) loans approved between FY2020 and 2025-12-31, totaling $189.3M.
Total 7(a) loans
357
Total approved
$189.3M
Average loan
$530K
States funded in
5
Charge-off rate
0.68%
FY2020–FY2023 cohort
Paid-in-full rate
17.01%
Average rate
9.03%
Average term
121 mo
Top 10 industries financed
| NAICS | Industry | Loans |
|---|---|---|
| 722511 | Full-Service Restaurants | 13 |
| 624410 | Child Day Care Services | 13 |
| 621111 | Offices of Physicians (except Mental Health Specialists) | 10 |
| 621310 | Offices of Chiropractors | 10 |
| 713990 | All Other Amusement and Recreation Industries | 8 |
| 238990 | All Other Specialty Trade Contractors | 7 |
| 621610 | Home Health Care Services | 7 |
| 111421 | Nursery and Tree Production | 6 |
| 722513 | Limited-Service Restaurants | 6 |
| 713940 | Fitness and Recreational Sports Centers | 6 |
Top 10 states
| State | Loans |
|---|---|
| TX | 352 |
| DE | 2 |
| MD | 1 |
| IL | 1 |
| OK | 1 |
Top franchise brands financed
51 franchise loans across 29 distinct brands.
| Franchise | Loans |
|---|---|
| Cheeky Monkeys | 6 |
| FreeForm Chiropractic | 6 |
| Flowerama | 2 |
| Crumbl | 2 |
| Premier Martial Arts Studio | 2 |
| 1-800-STRIPER | 2 |
| Dunkin' Donuts | 2 |
| DQ Grill & Chill Operating Agr | 2 |
| WaveMAX Laundry | 2 |
| 911 Restoration | 2 |
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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.