Is SouthPoint Bank a good SBA lender?

SouthPoint Bank has funded 48 SBA loans totaling $48.9M in volume across 4 states, with an average loan size of $1.0M. The lender's default rate is 952.00%. Whether they are the right fit depends on your deal profile — loan size, industry, geography, and borrower credit. PeerSense matches your specific deal to SouthPoint Bank or one of 897+ alternatives based on closing probability + pricing.

What is the average SBA loan size at SouthPoint Bank?

The average SBA loan size at SouthPoint Bank is $1.0M, with a range from $50K to $5.0M. This profile suggests they are best suited for borrowers seeking larger institutional acquisitions and CRE deals.

What states does SouthPoint Bank lend in?

SouthPoint Bank actively lends across 4 states. Their highest-volume state is Alabama. Other top states include Florida, Texas, Mississippi. Borrower geography matters: a lender's state penetration affects underwriting familiarity, valuation comps, and turnaround speed.

Does SouthPoint Bank fund franchise loans?

Yes — SouthPoint Bank has funded SBA franchise loans across multiple brands. Their highest-volume franchise concept is Your Kidâs Urgent Care, followed by Sleep Inn by Choice Hotels/Sle, European Wax Center, The UPS StoreÂ Â (f/k/a Mail Box. 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 SouthPoint Bank prefer?

SouthPoint Bank's highest-volume SBA industry by NAICS code is Ambulatory Healthcare. Other active sectors: Administrative Support, Limited-Service Restaurants, Full-Service Restaurants. 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 SouthPoint Bank?

PeerSense matches your specific SBA deal to SouthPoint 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. No retainer; lender pays referral fee at closing.

SBA LenderAlabamaSpecializedLarge Loans

SouthPoint Bank

SBA lender based in Alabama serving 4 states and 20 industries

Quick Answer

SouthPoint Bank has funded 48 SBA loans across 4 states and 20 industries. Their average loan size is $1.0M. Whether they are the right SBA lender for your deal depends on size, industry, geography, and credit profile — PeerSense matches your deal against SouthPoint Bank and 897+ alternatives based on closing probability + pricing.

Geographic Reach

4 States

Regional focus

Industry Coverage

20 Industries

Diverse lending portfolio

Lending Activity

Specialized

Large Loans focus

Top Lending States

Alabama#1

Florida#2

Texas#3

Mississippi#4

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Industry Focus Areas

Ambulatory Healthcare

NAICS 621

Administrative Support

NAICS 561

Limited-Service Restaurants

NAICS 722

Full-Service Restaurants

NAICS 721

Personal Care Services

NAICS 812

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Why borrowers choose SouthPoint Bank

SouthPoint Bank is best suited for borrowers seeking larger institutional acquisitions, CRE, and equipment-heavy deals, with an average SBA loan of $1.0M. The lender's deepest industry experience is in Ambulatory Healthcare, and their highest-volume state is Alabama. With 48 SBA loans funded across 4 states, they operate as a regional specialist anchored in Alabama. Their portfolio default rate is 952.00%. If your deal profile aligns with their underwriting box, this lender is worth a quote — PeerSense matches your specific deal against SouthPoint Bank and 897+ alternatives.

Recent SBA Activity at SouthPoint Bank

Franchise lending: SouthPoint Bank has funded SBA loans for multiple franchise concepts, with the highest volume in Your Kidâs Urgent Care, Sleep Inn by Choice Hotels/Sle, and European Wax Center. 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 Ambulatory Healthcare, Administrative Support, and Limited-Service Restaurants. Borrowers in these NAICS sectors typically see better terms and faster approvals.

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

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Compare SouthPoint 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.

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332 loans$1.1M avg44 states

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ServisFirst Bank

116 loans$881K avg9 states

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Millennial Bank

76 loans$594K avg7 states

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Avadian CU

52 loans$732K avg2 states

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About SouthPoint Bank SBA Lending

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

SouthPoint Bank serves borrowers across 4 states and 20 industry sectors with a regional lending focus. To find out whether SouthPoint 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.

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