Texas Capital Bank
Headquartered in DALLAS, TX. Analysis based on 142 SBA 7(a) loans approved between FY2020 and 2025-12-31, totaling $210.9M.
Total 7(a) loans
142
Total approved
$210.9M
Average loan
$1.5M
States funded in
11
Charge-off rate
1.56%
FY2020–FY2023 cohort
Paid-in-full rate
17.19%
Average rate
7.10%
Average term
187 mo
Top 10 industries financed
| NAICS | Industry | Loans |
|---|---|---|
| 624410 | Child Day Care Services | 9 |
| 722511 | Full-Service Restaurants | 7 |
| 722513 | Limited-Service Restaurants | 4 |
| 484110 | General Freight Trucking, Local | 3 |
| 337110 | Wood Kitchen Cabinet and Countertop Manufacturing | 3 |
| 623312 | Homes for the Elderly | 3 |
| 445291 | Baked Goods Stores | 3 |
| 333132 | Oil and Gas Field Machinery and Equipment Manufacturing | 2 |
| 331524 | Aluminum Foundries (except Die-Casting) | 2 |
| 441120 | Used Car Dealers | 2 |
Top 10 states
| State | Loans |
|---|---|
| TX | 127 |
| FL | 2 |
| CO | 2 |
| OR | 2 |
| CA | 2 |
| AZ | 2 |
| NE | 1 |
| NV | 1 |
| VA | 1 |
| IL | 1 |
Top franchise brands financed
30 franchise loans across 24 distinct brands.
| Franchise | Loans |
|---|---|
| Celebree School | 3 |
| Shipley Do-Nut | 2 |
| Polaris - Dealer Agreement | 2 |
| GLO TANNING | 2 |
| The Brass Tap | 2 |
| The Goddard School | 1 |
| Crumbl | 1 |
| AAMCO Transmissions | 1 |
| Pinnacle Montessori Academy | 1 |
| Fix Auto | 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.