22nd State Bank, A Division of 22nd State Banking Company
SBA lender based in Alabama serving 44 states and 53 industries
Is 22nd State Bank, A Division of 22nd State Banking Company the right SBA lender for your deal?
22nd State Bank, A Division of 22nd State Banking Company has funded 332 SBA loans across 44 states and 53 industries. Their average loan size is $1.1M. Whether they are the right SBA lender for your deal depends on size, industry, geography, and credit profile. PeerSense matches your deal against 22nd State Bank, A Division of 22nd State Banking Company and 897+ alternatives based on closing probability + pricing.
22nd State Bank, A Division of 22nd State Banking Company is an SBA Preferred Lender (PLP), a designation the SBA grants to lenders with delegated authority to approve 7(a) loans in-house, which speeds underwriting and closing. 22nd State Bank, A Division of 22nd State Banking Company has funded 332 SBA 7(a) loans across 44 states, averaging $1.1M per loan. PLP status means the lender does not have to send each file to the SBA for review, a material edge on turnaround for qualified borrowers.
Top Lending States
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Book a CallWhy borrowers choose 22nd State Bank, A Division of 22nd State Banking Company
22nd State Bank, A Division of 22nd State Banking Company is best suited for borrowers seeking larger institutional acquisitions, CRE, and equipment-heavy deals, with an average SBA loan of $1.1M. The lender's deepest industry experience is in Limited-Service Restaurants, and their highest-volume state is Florida. With 332 SBA loans funded across 44 states, they are one of a small set of true national SBA lenders. If your deal profile aligns with their underwriting box, this lender is worth a quote. PeerSense matches your specific deal against 22nd State Bank, A Division of 22nd State Banking Company and 897+ alternatives.
Recent SBA Activity at 22nd State Bank, A Division of 22nd State Banking Company
Franchise lending: 22nd State Bank, A Division of 22nd State Banking Company has funded SBA loans for multiple franchise concepts, with the highest volume in Firehouse Subs, The UPS Store  (f/k/a Mail Box, and Little Caesars. Lender-franchise familiarity reduces underwriting friction: brands the lender already knows clear faster and re-trade less.
Industry concentration: The lender's highest-volume SBA industries are Limited-Service Restaurants, Personal Care Services, and Administrative Support. Borrowers in these NAICS sectors typically see better terms and faster approvals.
Geographic concentration: Top markets are Florida, Alabama, Texas, Ohio, and Tennessee. Lenders typically underwrite faster in states where they already have closing comps.
Compare 22nd State Bank, A Division of 22nd State Banking Company to Similar SBA Lenders
Other SBA lenders headquartered in Alabama with similar deal-size profiles. Borrowers should always compare 3–5 lenders before committing.
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About 22nd State Bank, A Division of 22nd State Banking Company SBA Lending
22nd State Bank, A Division of 22nd State Banking Company is an SBA lender headquartered in Alabama. PeerSense tracks this lender's SBA lending activity, including approval trends, geographic coverage, and industry specializations.
22nd State Bank, A Division of 22nd State Banking Company serves borrowers across 44 states and 53 industry sectors, making it a national SBA lender with broad geographic coverage. To find out whether 22nd State Bank, A Division of 22nd State Banking Company is a good fit for your specific deal, reach out to PeerSense for a free lender match.
PeerSense maintains detailed performance data on hundreds of SBA lenders to help borrowers and brokers identify the right capital source. Rather than spending weeks researching lenders on your own, book a free call and let our team match you with lenders who have a proven track record in your industry and geography.
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See Related Rates by Program
PeerSense covers the full commercial capital stack. Indicative levels that lenders in our network have been pricing across these programs, as of August 1, 2026.
CMBS Conduit
5.60–7.10%10-yr non-recourse fixed, $5M–$500M+, fully assumable
Bridge Loans
9.00–14.00%12–36 mo transitional, SOFR + 470-970 bps, 65-75% LTV
DSCR Investor
5.95–8.50%30-yr fixed rental, qualifies on property cash flow
Equipment Financing
5.50–12.00%Loan, lease, SBA 504, vendor, captive. Section 179 eligible
Hotel Financing
5.85–11.75%CMBS + SBA 504 + bridge + PIP across all flags
Private Credit
7.80–18.00%Non-bank flexibility, unitranche, recap, transitional
Invoice Factoring + ABL
0.5–3.5% / 30dB2B receivables, trucking / staffing / construction / govt
No-Doc CRE
7.50–11.50%Limited-doc commercial, asset-based underwriting
Foreign National
7.50–11.00%Non-US borrower CRE + bridge, no SSN required
Indicative only, as of August 1, 2026. Not a quote, commitment or offer of credit. Final pricing, leverage and terms are determined by the lender at underwriting, after full transaction materials are reviewed. PeerSense does not lend and does not set pricing. What these terms mean.