Capital One National Association

Mclean, VA7(a) lenderTop sector: Full-Service Restaurants

Is this my lender?

Loans approved

21,629

FY1991–FY2026

Dollars approved

$1.8B

$219.9M since FY2021

Average loan

$84K

$969K recently

Charge-off rate

17.3%

by dollars · 39.8% by count

Approvals over time

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What they lend against

Full-Service Restaurants610 Residential Remodelers524 General Automotive Repair512 Plumbing, Heating, and Air-Conditioning Contractors445 Landscaping Services362 Electrical Contractors and Other Wiring Installation Contractors354

Loan count by NAICS industry, whole record. Each row opens that industry’s profile, where this lender is ranked against everyone else writing it.

Where they lend

California2,875 · 13%Texas1,905 · 9%New York1,762 · 8%Florida1,436 · 7%Louisiana919 · 4%Michigan789 · 4%Illinois736 · 3%Georgia660 · 3%

Share is of this lender’s entire book, so the 8 states shown need not sum to 100%. Together they account for 51% of its lending.

At a glance

Rank by recent volume#166 of 2321

First approvalFY1991

Latest approvalFY2026

States lent into8+

What they charge

Typical pricingPrime − 0.75

Median rate 6.82%Fixed 63%125 loans

Median initial rate on this lender's 7(a) loans approved FY2024 onward, against a market median of Prime + 2.75. That is cheaper than the market typically prices. It is the rate at approval, not an offer, and says nothing about fees.

Program mix

7(a) · 100% (21,629)504 · 0% (0)

Split by loan count.

7(a) $1.8B504 $0

Loss rate in context

This lender17.3%

Both programs, all lenders4.6%

Charged-off dollars over dollars approved. By loan count this lender is at 39.8%; the two measures diverge when a book is weighted toward small loans.

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