PlainsCapital Bank Fish City Grill SBA Loans in Texas — 3 Funded
Texas loan data 2009–2011 · Updated June 2026
PlainsCapital Bank has funded 3 SBA loans to Fish City Grill franchisees in Texas, totaling $960K in approved financing across 3 cities and 2 congressional districts.
The average Fish City Grill loan in Texas from PlainsCapital Bank is $320K at a 5.88% average interest rate, with terms averaging 105 months. The Texas default rate is 0% based on 3 resolved loans. Texas represents 100.0% of PlainsCapital Bank's total Fish City Grill lending nationally. These loans collectively support 230 Texas jobs. SBA-guaranteed portion totals $744K (80% of approved volume).
Looking to fund a Fish City Grill franchise in Texas?
PlainsCapital Bank is one of 2+ lenders who have funded Fish City Grill in Texas. We can help you compare options and connect with lenders experienced in this brand and state — no retainers, referral fee at closing.
PlainsCapital Bank Fish City Grill Loan Performance in Texas
Based on 3 SBA loans originated by PlainsCapital Bank for Fish City Grill franchisees with Texas addresses, the Texas-specific lending relationship spans 2009–2011. Of 3 resolved Texas loans, 3 were paid in full and 0 resulted in chargeoffs.
The Texas loan size range extends from $162K to $497K, indicating PlainsCapital Bank funds both smaller single-unit Fish City Grill operations and larger multi-unit or renovation projects in Texas. Each loan supports an average of 77 jobs in the local economy, and the portfolio collectively supports 230 Texas jobs. Most Texas Fish City Grill loans from PlainsCapital Bank are classified under "Full-Service Restaurants" (NAICS).
Recent activity: PlainsCapital Bank has originated 0 Fish City Grill Texas loans in the last 2 fiscal years. The most recent Fish City Grill Texas approval recorded is from FY2011. Note: lack of recent activity may indicate PlainsCapital Bank has paused, slowed, or exited Fish City Grill Texas lending — borrowers should verify current appetite directly.
SBA guarantee profile: The SBA-guaranteed portion of PlainsCapital Bank's Fish City Grill Texas loans averages 80% of approved volume, totaling $744K in federally-backed exposure. 7(a) loans typically carry a 75-85% guarantee, so a higher percentage suggests a smaller-loan/SBA Express mix; lower suggests larger PLP deals where the lender retains more risk.
The 0% Texas default rate is a strong indicator of loan quality. This suggestsPlainsCapital Bank has effective underwriting standards for Fish City Grill deals in Texas and/or Texas Fish City Grill franchisees have strong unit economics that support debt service. For prospective Texas borrowers, this is an encouraging signal — PlainsCapital Bankunderstands the Fish City Grill business model in this market and has a track record of successful outcomes here.
SBA Programs Used for Fish City Grill Loans in Texas
| Program | Loans | Avg Size | Avg Rate | Avg Term |
|---|---|---|---|---|
| SBA 7A | 3 | $320K | 5.88% | 105 mo |
Fish City Grill Loan Size Distribution from PlainsCapital Bank in Texas
How PlainsCapital Bank's Fish City Grill Texas loan sizes break down by deal size. Useful for sizing your own deal: where do most Texas Fish City Grill approvals land?
| Loan Size Range | Loans | Avg Loan Size | % of Texas Loans |
|---|---|---|---|
| $150K-$350K | 2 | $232K | 67% |
| $350K-$750K | 1 | $497K | 33% |
How PlainsCapital Bank Originates Fish City Grill Loans in Texas
SBA delivery method matters: Preferred Lenders Program (PLP) closes 2-3 weeks faster than General Processing because the lender holds full credit authority. PlainsCapital Bank uses 2 different Texas delivery methods for Fish City Grill:
| Delivery Method | Loans | Avg Loan Size |
|---|---|---|
| Preferred Lenders Program | 2 | $399K |
| 7a General | 1 | $162K |
Where in Texas PlainsCapital Bank Funds Fish City Grill Locations
| City | Loans | Avg Loan Size | Total Volume | Default Rate |
|---|---|---|---|---|
| Addison | 1 | $162K | $162K | 0% — Low Risk |
| Tyler | 1 | $497K | $497K | 0% — Low Risk |
| Addison | 1 | $301K | $301K | 0% — Low Risk |
PlainsCapital Bank's strongest Fish City Grill lending presence in Texas is concentrated in Addison (1 loans), Tyler (1 loans), Addison (1 loans).
PlainsCapital Bank Fish City Grill Lending in Texas Over Time
| Year | Loans | Avg Size | Total Volume | Avg Rate |
|---|---|---|---|---|
| 2011 | 2 | $232K | $463K | 5.88% |
| 2009 | 1 | $497K | $497K | — |
Other Lenders That Fund Fish City Grill in Texas
PlainsCapital Bank is not the only lender funding Fish City Grill in Texas. Compare 1 other banks who have originated Fish City Grill SBA loans to Texas borrowers.
| Lender | Texas Loans | Avg Size | Default Rate |
|---|---|---|---|
| PlainsCapital Bank (this page) | 3 | $320K | 0% — Low Risk |
| The Huntington National Bank | 2 | $320K | 0% — Low Risk |
Other Franchises PlainsCapital Bank Funds in Texas
PlainsCapital Bank is active in Texas franchise lending beyond Fish City Grill. Other Texas franchise brands they have funded:
How to Get an SBA Loan for a Fish City Grill Franchise in Texas
If you're considering a Fish City Grill franchise in Texas and want to finance through PlainsCapital Bank or another SBA lender, here's what you need to know based on our analysis of 3 historical Texas loans.
Verify Your Qualifications
Most SBA franchise loans require a 680+ credit score, 20-30% down payment, and relevant industry or management experience.Fish City Grill's franchise fee and total investment determine minimum capital requirements.
Compare Texas Lenders
2 lenders have funded Fish City Grill in Texas. Lenders with more local Fish City Grill experience typically close faster because they understand both the brand and the local market. Compare rates, default rates, and city coverage above.
Get Pre-Qualified
PeerSense matches Texas borrowers with lenders who have a proven track record funding Fish City Grill in your state. No retainers — our referral fee is paid at closing. Get matched in 24 hours.
Expected loan terms based on Texas historical data: The average Fish City Grill SBA loan from PlainsCapital Bank in Texas is $320K with a 5.88% interest rate and a 105-month term.Texas loan amounts range from $162K to $497K.
Ready to Fund Your Fish City Grill Franchise in Texas?
We connect you with lenders who have already funded Fish City Grill in Texas — so you can compare terms and close with confidence. No retainers. Referral fee paid at closing.