Lender · SBA 7(a) record
Stone Bank
AR · lends in 45 states · 547 SBA loans since 2010, 344 in the last five years.
How fast they approve. Stone Bank made 90% of its recent SBA 7(a) loans under Preferred Lender (PLP) authority — it can approve them in-house without sending your file to the SBA to re-underwrite, which is the biggest single driver of how fast a loan closes. Why approval speed comes down to the lender.
What stands out about Stone Bank
vs every other SBA lenderStone Bank lives at the small end. Its median loan is just $150k, well under the $347k typical of SBA lenders — one of the banks genuinely willing to write small.
Stone Bank is real-estate-heavy. 59% of its loans are commercial real-estate loans, well above the norm — a good sign if that is your deal.
It leans into one industry. 24% of Stone Bank's loans go to offices of lawyers — roughly 2× the share you would expect, so it clearly knows that business.
This read is built from 344 funded 7(a) loans over the last five fiscal years.
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.
Middle of the road on risk
2.19% charged off, close to the 2.11% across all SBA lending. Neither unusually tight nor unusually loose.
What rate people got
median markup over primeThe median borrower here paid prime + 2.77%. 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 off| Approved | Yr 1 | Yr 2 | Yr 3 | Yr 4 | Yr 5 | Yr 6 | Yr 7 | Yr 8 | Yr 9 | Yr 10 |
|---|---|---|---|---|---|---|---|---|---|---|
| 2018 | 0.0 | 0.0 | 0.0 | 1.6 | 2.8 | 3.9 | 4.1 | · | · | · |
| 2019 | 0.0 | 1.1 | 1.1 | 1.3 | 3.7 | 4.6 | · | · | · | · |
| 2020 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | · | · | · | · | · |
| 2021 | 0.0 | 0.0 | 0.0 | 0.0 | · | · | · | · | · | · |
| 2023 | 0.0 | 0.0 | · | · | · | · | · | · | · | · |
| 2025 | · | · | · | · | · | · | · | · | · | · |
| 2026 | · | · | · | · | · | · | · | · | · | · |
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 →
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Common questions
Does Stone Bank make SBA startup and acquisition loans?
Yes — its recent SBA 7(a) record includes 64 commercial real-estate loans, 28 startups, 11 business acquisitions, 6 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 Stone Bank will make?
Its practical minimum — the 5th percentile of what it has actually funded — is about $75,000, and the typical (median) Stone Bank loan is $150,000. If your loan is well below its practical minimum, it is unlikely to be interested however strong your file.
What interest rate do Stone Bank SBA borrowers get?
On variable-rate loans, recent Stone Bank borrowers paid a median of prime + 2.77%. The markup over prime is the negotiable part of any SBA quote. Check a rate you have been quoted.
What states does Stone Bank lend in?
Most of Stone Bank's recent SBA lending is concentrated in Florida, Texas, California, among 20 states in total. Compare lenders by state.