Is AmSouth Bank a good SBA lender?

AmSouth Bank has funded 1,004 SBA loans totaling $196.8M in volume across 13 states, with an average loan size of $196K. The lender's default rate is 7.3% (resolved-loan basis). Whether they are the right fit depends on your deal profile, loan size, industry, geography, and borrower credit. PeerSense matches your specific deal to AmSouth Bank or one of 897+ alternatives based on closing probability + pricing.

What is the average SBA loan size at AmSouth Bank?

The average SBA loan size at AmSouth Bank is $196K, with a range from $7K to $1.7M. This profile suggests they are best suited for borrowers seeking smaller businesses, working capital, and franchise startups.

What states does AmSouth Bank lend in?

AmSouth Bank actively lends across 13 states. Their highest-volume state is Tennessee. Other top states include Alabama, Florida, Louisiana. Borrower geography matters: a lender's state penetration affects underwriting familiarity, valuation comps, and turnaround speed.

Does AmSouth Bank fund franchise loans?

Yes, AmSouth Bank has funded SBA franchise loans across multiple brands. Their highest-volume franchise concept is SUBWAY SANDWICH SHOP, followed by EXXON, MAIL BOXES ETC. USA, SCHLOTZSKY'S SANDWICH SHOP. Lender-franchise familiarity matters: lenders that have closed multiple loans for a brand know the FDD inside-out, which speeds underwriting + reduces re-trade risk.

What industries does AmSouth Bank prefer?

AmSouth Bank's highest-volume SBA industry by NAICS code is Repair & Maintenance. Other active sectors: Limited-Service Restaurants, Administrative Support, Sporting Goods & Hobby. Borrower industry matters: matching your deal to a lender with strong recent volume in your NAICS reduces underwriting friction and improves close-rate odds.

How does PeerSense match deals to AmSouth Bank?

PeerSense matches your specific SBA deal to AmSouth Bank based on five factors: deal size vs lender's average + range, your industry vs lender's NAICS history, your state vs lender's geographic penetration, your franchise brand (if applicable) vs lender's brand history, and your credit + experience profile vs lender's known underwriting box. We don't sell leads, we curate fit. Lender pays referral fee at closing.

SBA LenderAlabamaSmall-Business Profile

AmSouth Bank

SBA lender based in Alabama serving 13 states and 58 industries

Quick Answer

Is AmSouth Bank the right SBA lender for your deal?

1,004

SBA loans funded

States served

Industries

$196K

Avg loan size

AmSouth Bank has funded 1,004 SBA loans across 13 states and 58 industries. Their average loan size is $196K. Whether they are the right SBA lender for your deal depends on size, industry, geography, and credit profile. PeerSense matches your deal against AmSouth Bank and 897+ alternatives based on closing probability + pricing.

SBA Lender Status

AmSouth Bank 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. AmSouth Bank has funded 1,004 SBA 7(a) loans across 13 states, averaging $196K 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.

Geographic Reach

13states

Regional focus

Industry Coverage

58industries

Diverse lending portfolio

Average SBA Loan

$196K

Small-Business deal focus

Geographic Footprint

Top Lending States

Tennessee

Alabama

Florida

Louisiana

Mississippi

Tell us about your deal and we'll match you with the right capital source from our network.

Book a Call

Underwriting Depth

Industry Focus Areas

Repair & Maintenance

NAICS 811

Limited-Service Restaurants

NAICS 722

Administrative Support

NAICS 561

Sporting Goods & Hobby

NAICS 451

General Merchandise Stores

NAICS 452

View all industries

Fit Assessment

Why borrowers choose AmSouth Bank

AmSouth Bank is best suited for borrowers seeking small-business working capital, startup, and franchise loans, with an average SBA loan of $196K. The lender's deepest industry experience is in Repair & Maintenance, and their highest-volume state is Tennessee. With 1,004 SBA loans funded across 13 states, they operate as a regional specialist anchored in Alabama. Their portfolio default rate is 7.3% (resolved-loan basis). If your deal profile aligns with their underwriting box, this lender is worth a quote. PeerSense matches your specific deal against AmSouth Bank and 897+ alternatives.

Track Record

Recent SBA Activity at AmSouth Bank

Franchise lending: AmSouth Bank has funded SBA loans for multiple franchise concepts, with the highest volume in SUBWAY SANDWICH SHOP, EXXON, and MAIL BOXES ETC. USA. 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 Repair & Maintenance, Limited-Service Restaurants, and Administrative Support. Borrowers in these NAICS sectors typically see better terms and faster approvals.

Geographic concentration: Top markets are Tennessee, Alabama, Florida, Louisiana, and Mississippi. Lenders typically underwrite faster in states where they already have closing comps.

SBA Loan Programs Best SBA Franchise Lenders SBA Loan Calculator

Peer Comparison

Compare AmSouth Bank to Similar SBA Lenders

Other SBA lenders headquartered in Alabama with similar deal-size profiles. Borrowers should always compare 3–5 lenders before committing.

Alabama · SBA Lender

Regions Bank

9,240 loans$379K avg33 states

View profile

Alabama · SBA Lender

Central State Bank

109 loans$351K avg7 states

View profile

Alabama · SBA Lender

Redstone FCU

437 loans$75K avg4 states

View profile

Alabama · SBA Lender

22nd State Bank, A Division of 22nd State Banking Company

332 loans$1.1M avg44 states

View profile

Alabama · SBA Lender

Peoples Bank of Alabama

126 loans$495K avg2 states

View profile

Browse all 897+ SBA lenders

Get Matched

Looking for SBA Financing?

Tell us about your deal and we'll match you with the right capital source from our network. PeerSense uses proprietary data on lender track records to find the best fit for your industry, location, and loan size.

Get Matched Free Contact Us

Curated capital network · 899+ SBA lenders tracked · Response within 24–48h on qualified deals

Lender Reference

About AmSouth Bank SBA Lending

AmSouth Bank is an SBA lender headquartered in Alabama. PeerSense tracks this lender's SBA lending activity, including approval trends, geographic coverage, and industry specializations.

AmSouth Bank serves borrowers across 13 states and 58 industry sectors with a regional lending focus. To find out whether AmSouth Bank 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.

Back to All Lenders

AmSouth Bank Get a Quote

Keep Researching

Explore More

All SBA Lenders

Browse 899+ capital sources by state

SBA Loan Calculator

Estimate payments with live rates

Industry Benchmarks

SBA lending data across 100+ industries

Best SBA Franchise Lenders

Franchise lending track records

SBA Loans Guide

7(a), 504, Express: full overview

Get Matched

Tell us about your deal, free consultation

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

See current rates

Bridge Loans

9.00–14.00%

12–36 mo transitional, SOFR + 470-970 bps, 65-75% LTV

See current rates

DSCR Investor

5.95–8.50%

30-yr fixed rental, qualifies on property cash flow

See current rates

Equipment Financing

5.50–12.00%

Loan, lease, SBA 504, vendor, captive. Section 179 eligible

See current rates

Hotel Financing

5.85–11.75%

CMBS + SBA 504 + bridge + PIP across all flags

See current rates

Private Credit

7.80–18.00%

Non-bank flexibility, unitranche, recap, transitional

See current rates

Invoice Factoring + ABL

0.5–3.5% / 30d

B2B receivables, trucking / staffing / construction / govt

See current rates

No-Doc CRE

7.50–11.50%

Limited-doc commercial, asset-based underwriting

See current rates

Foreign National

7.50–11.00%

Non-US borrower CRE + bridge, no SSN required

See current rates

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.