Enterprise Bank & Trust

Clayton, MO7(a) lender#19 most activeTop sector: Lessors of Nonresidential Buildings (except Miniwarehouses)

Is this my lender?

Loans approved

5,273

FY1991–FY2026

Dollars approved

$4.7B

$1.5B since FY2021

Average loan

$897K

$1.3M recently

Charge-off rate

0.6%

by dollars · 3.0% by count

Approvals over time

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What they lend against

Lessors of Nonresidential Buildings (except Miniwarehouses)235 Full-Service Restaurants198 Hotels (except Casino Hotels) and Motels172 General Automotive Repair155 Used Car Dealers106 All Other Specialty Trade Contractors87

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

California2,545 · 48%Texas485 · 9%Kansas404 · 8%Arizona401 · 8%Missouri372 · 7%Washington247 · 5%Nevada170 · 3%Colorado140 · 3%

Share is of this lender’s entire book, so the 8 states shown need not sum to 100%. Together they account for 90% of its lending.

At a glance

Rank by recent volume#19 of 2321

First approvalFY1991

Latest approvalFY2026

States lent into8+

What they charge

Typical pricingPrime + 1.00

Median rate 8.75%Fixed 19%366 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% (5,272)504 · 0% (1)

Split by loan count.

7(a) $4.7B504 $159K

Loss rate in context

This lender0.6%

Both programs, all lenders4.6%

Charged-off dollars over dollars approved. By loan count this lender is at 3.0%; the two measures diverge when a book is weighted toward small loans.

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