Lender · SBA 7(a) record
Amerant Bank, National Association
FL · lends in 2 states · 129 SBA loans since 2010, 54 in the last five years.
How fast they approve. Amerant Bank, National Association made 17% of its recent 7(a) loans under Preferred Lender (PLP) authority and 28% through SBA Express; the remainder went through the SBA's general review. Ask whether your specific loan would be delegated or sent to the SBA. Why approval speed comes down to the lender.
What stands out about Amerant Bank, National Association
vs every other SBA lenderIt leans into one industry. 14% of Amerant Bank, National Association's loans go to retail bakeries — roughly 47× the share you would expect, so it clearly knows that business.
Amerant Bank, National Association writes big loans. Its median loan is $690k — against about $347k for the typical SBA lender. This is a lender for sizeable deals, not small working-capital requests.
Regional, not national. 81% of Amerant Bank, National Association's recent SBA lending is in Florida. A borrower outside Florida is not its usual customer.
This read is built from 54 funded 7(a) loans over the last five fiscal years; outside its core states the sample thins out, so weigh the rest accordingly.
Will they talk to you?
loan sizes fundedThe spread of loan sizes tells you where this lender is comfortable. Ask for something far outside it and expect friction.
Do they fund businesses like yours?
last 5 yearsA lender who already knows your industry asks better questions and closes faster. One who doesn't will treat your file as an education.
Lends conservatively
0.96% charged off against 2.11% across all SBA lending. Clean books usually mean tight credit standards. Good rates if you fit their box, and a quick decline if you don't.
What rate people got
median markup over primeThe median borrower here paid prime + 2.24%. Compare that against what you have been quoted — the markup is the negotiable part, and most borrowers never try.
Their loans, year by year
cumulative % of dollars charged offNot enough history yet to build a triangle.
Each row is one year's lending. Read down a column to compare years at the same age — that is the only fair comparison, because losses take three to five years to appear and a fast-growing lender always looks clean on a raw average.
What this page cannot tell you
Federal records show what was approved, not how long it took, how the bank communicated, or whether your loan officer returned calls. Ask any lender directly: are you a preferred lender, how many deals like mine did you close last year, and who underwrites it.
Check your eligibility first → Decode what they say to you →
Lenders worth comparing against this one
Picked for writing loans of a similar size in similar places.
Common questions
Does Amerant Bank, National Association make SBA startup and acquisition loans?
Yes — its recent SBA 7(a) record includes 10 startups, 5 franchise loans. If your deal is one of these, it has funded that kind of loan many times before. See how it ranks for your exact deal.
What is the smallest SBA loan Amerant Bank, National Association will make?
Its practical minimum — the 5th percentile of what it has actually funded — is about $182,500, and the typical (median) Amerant Bank, National Association loan is $690,000. If your loan is well below its practical minimum, it is unlikely to be interested however strong your file.
What interest rate do Amerant Bank, National Association SBA borrowers get?
On variable-rate loans, recent Amerant Bank, National Association borrowers paid a median of prime + 2.24%. The markup over prime is the negotiable part of any SBA quote. Check a rate you have been quoted.
What states does Amerant Bank, National Association lend in?
Most of Amerant Bank, National Association's recent SBA lending is concentrated in Florida, Texas. Compare lenders by state.