American Momentum Bank
American Momentum Bank is an SBA 7(a) lender that has approved 237 loans totaling $253.6M between FY2020 and Q1 FY2026 (2025-12-31), with a 0.00% charge-off rate on mature loans. Average loan size: $1.1M. Active in 30 states. Headquartered in COLLEGE STATION, TX.
Total 7(a) loans
237
Total approved
$253.6M
Average loan
$1.1M
States funded in
30
Charge-off rate
0.00%
FY2020–FY2023 cohort
Paid-in-full rate
26.98%
Average rate
8.72%
Average term
183 mo
Top 10 industries financed
| NAICS | Industry | Loans |
|---|---|---|
| 624410 | Child Day Care Services | 23 |
| 722511 | Full-Service Restaurants | 13 |
| 811111 | General Automotive Repair | 12 |
| 811192 | Car Washes | 6 |
| 722513 | Limited-Service Restaurants | 6 |
| 561730 | Landscaping Services | 5 |
| 213112 | Support Activities for Oil and Gas Operations | 5 |
| 238210 | Electrical Contractors | 4 |
| 238990 | All Other Specialty Trade Contractors | 4 |
| 621111 | Offices of Physicians (except Mental Health Specialists) | 4 |
Top 10 states
| State | Loans |
|---|---|
| TX | 79 |
| FL | 63 |
| AZ | 14 |
| GA | 13 |
| MO | 8 |
| NC | 7 |
| KY | 5 |
| OH | 5 |
| IL | 5 |
| MI | 5 |
Top franchise brands financed
16 franchise loans across 14 distinct brands.
| Franchise | Loans |
|---|---|
| Contender eSports | 2 |
| Auto Check | 2 |
| Hampton Inn | 1 |
| Hand and Stone Massage and Fac | 1 |
| The UPS Store (f/k/a Mail Box | 1 |
| Biscuits Cafe | 1 |
| Good Neighbor Pharmacy | 1 |
| The Bundt Shoppe | 1 |
| Screenmobile | 1 |
| MARBLELIFE | 1 |
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Data source & methodology
All figures computed from the SBA Office of Capital Access FOIA dataset (7(a) loans, FY2020–present, as of 2025-12-31). Charge-off and paid-in-full rates are calculated on the FY2020–FY2023 cohort only, so loans have had time to mature. Charge-off rank covers lenders with ≥500 mature loans.