VelocitySBA, LLC
Headquartered in Irving, TX. Analysis based on 727 SBA 7(a) loans approved between FY2020 and 2025-12-31, totaling $803.4M.
Total 7(a) loans
727
Total approved
$803.4M
Average loan
$1.1M
States funded in
41
Charge-off rate
1.38%
FY2020–FY2023 cohort
Paid-in-full rate
37.85%
Average rate
8.71%
Average term
207 mo
Top 10 industries financed
| NAICS | Industry | Loans |
|---|---|---|
| 722511 | Full-Service Restaurants | 44 |
| 721110 | Hotels (except Casino Hotels) and Motels | 32 |
| 722513 | Limited-Service Restaurants | 31 |
| 445310 | Beer, Wine, and Liquor Stores | 27 |
| 484121 | General Freight Trucking, Long Distance, Truckload | 22 |
| 811111 | General Automotive Repair | 21 |
| 447110 | Gasoline Stations with Convenience Stores | 17 |
| 811192 | Car Washes | 16 |
| 238990 | All Other Specialty Trade Contractors | 16 |
| 445110 | Supermarkets and Other Grocery (except Convenience) Stores | 13 |
Top 10 states
| State | Loans |
|---|---|
| CA | 259 |
| TX | 108 |
| FL | 51 |
| CO | 48 |
| IL | 45 |
| AZ | 40 |
| GA | 19 |
| WI | 19 |
| OR | 14 |
| SC | 9 |
Top franchise brands financed
122 franchise loans across 92 distinct brands.
| Franchise | Loans |
|---|---|
| The UPS Store (f/k/a Mail Box | 4 |
| Quality Inn by Choice Hotels / | 4 |
| Gameday Men's Health/Gameday | 3 |
| World of Sourdough | 3 |
| Midas | 3 |
| Americas Best Value Inn | 3 |
| GLO TANNING | 2 |
| Cold Stone Creamery | 2 |
| Generator Supercenter | 2 |
| Red Roof Inn | 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.