Cadence Bank
Headquartered in TUPELO, MS. Analysis based on 4,871 SBA 7(a) loans approved between FY2020 and 2025-12-31, totaling $2.27B.
Risk ranking: Among 65 lenders with 500+ mature SBA 7(a) loans (FY2020–FY2023),
Cadence Bank ranks #56 by charge-off rate (3.62%).
Total 7(a) loans
4,871
Total approved
$2.27B
Average loan
$466K
States funded in
51
Charge-off rate
3.62%
FY2020–FY2023 cohort
Paid-in-full rate
18.95%
Average rate
8.65%
Average term
135 mo
Top 10 industries financed
| NAICS | Industry | Loans |
|---|---|---|
| 722511 | Full-Service Restaurants | 180 |
| 722513 | Limited-Service Restaurants | 167 |
| 713940 | Fitness and Recreational Sports Centers | 130 |
| 238990 | All Other Specialty Trade Contractors | 112 |
| 541990 | All Other Professional, Scientific, and Technical Services | 103 |
| 721110 | Hotels (except Casino Hotels) and Motels | 99 |
| 484121 | General Freight Trucking, Long Distance, Truckload | 95 |
| 722515 | Snack and Nonalcoholic Beverage Bars | 93 |
| 484110 | General Freight Trucking, Local | 81 |
| 236115 | New Single-Family Housing Construction (except Operative Builders) | 81 |
Top 10 states
| State | Loans |
|---|---|
| CA | 706 |
| TX | 648 |
| FL | 481 |
| GA | 334 |
| NY | 250 |
| IL | 188 |
| NJ | 161 |
| VA | 131 |
| CO | 129 |
| NC | 122 |
Top franchise brands financed
708 franchise loans across 303 distinct brands.
| Franchise | Loans |
|---|---|
| Scooter's Coffee | 47 |
| Pet Supplies Plus | 37 |
| The UPS Store (f/k/a Mail Box | 29 |
| Premier Martial Arts Studio | 17 |
| Workout Anytime | 13 |
| Super 8 by Wyndhan | 11 |
| Chicken Salad Chick | 10 |
| Quality Inn by Choice Hotels / | 10 |
| Days Inn by Wyndham | 9 |
| Hotworx | 9 |
Get matched with SBA lenders — free
Tell us a bit about your funding need and we'll connect you to SBA-preferred lenders active in your industry and state. No obligation.
We never sell your data. You'll be connected only to lenders matching your criteria.
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.