SpiritBank
Headquartered in TULSA, OK. Analysis based on 61 SBA 7(a) loans approved between FY2020 and 2025-12-31, totaling $45.9M.
Total 7(a) loans
61
Total approved
$45.9M
Average loan
$753K
States funded in
4
Charge-off rate
10.53%
FY2020–FY2023 cohort
Paid-in-full rate
26.32%
Average rate
6.87%
Average term
150 mo
Top 10 industries financed
| NAICS | Industry | Loans |
|---|---|---|
| 722513 | Limited-Service Restaurants | 17 |
| 722511 | Full-Service Restaurants | 6 |
| 524210 | Insurance Agencies and Brokerages | 5 |
| 541110 | Offices of Lawyers | 3 |
| 238990 | All Other Specialty Trade Contractors | 2 |
| 811192 | Car Washes | 2 |
| 445291 | Baked Goods Stores | 2 |
| 621610 | Home Health Care Services | 2 |
| 722310 | Food Service Contractors | 2 |
| 238160 | Roofing Contractors | 1 |
Top 10 states
| State | Loans |
|---|---|
| OK | 42 |
| TX | 16 |
| AR | 2 |
| MO | 1 |
Top franchise brands financed
25 franchise loans across 4 distinct brands.
| Franchise | Loans |
|---|---|
| Simple Simon's Pizza | 21 |
| Sugar Llamas - License Agreeme | 2 |
| The Gravity Vault | 1 |
| Holiday Inn Express/Holiday In | 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.