Enterprise Bank & Trust
Headquartered in CLAYTON, MO. Analysis based on 1,597 SBA 7(a) loans approved between FY2020 and 2025-12-31, totaling $2.02B.
Risk ranking: Among 65 lenders with 500+ mature SBA 7(a) loans (FY2020–FY2023),
Enterprise Bank & Trust ranks #5 by charge-off rate (0.08%).
Total 7(a) loans
1,597
Total approved
$2.02B
Average loan
$1.3M
States funded in
42
Charge-off rate
0.08%
FY2020–FY2023 cohort
Paid-in-full rate
30.34%
Average rate
6.58%
Average term
281 mo
Top 10 industries financed
| NAICS | Industry | Loans |
|---|---|---|
| 721110 | Hotels (except Casino Hotels) and Motels | 86 |
| 722511 | Full-Service Restaurants | 57 |
| 811111 | General Automotive Repair | 51 |
| 441120 | Used Car Dealers | 42 |
| 484121 | General Freight Trucking, Long Distance, Truckload | 41 |
| 624410 | Child Day Care Services | 36 |
| 238990 | All Other Specialty Trade Contractors | 32 |
| 447110 | Gasoline Stations with Convenience Stores | 29 |
| 722513 | Limited-Service Restaurants | 28 |
| 531210 | Offices of Real Estate Agents and Brokers | 28 |
Top 10 states
| State | Loans |
|---|---|
| CA | 627 |
| TX | 202 |
| WA | 111 |
| AZ | 109 |
| CO | 78 |
| NV | 65 |
| OR | 48 |
| IL | 45 |
| FL | 44 |
| MO | 41 |
Top franchise brands financed
162 franchise loans across 94 distinct brands.
| Franchise | Loans |
|---|---|
| Quality Inn by Choice Hotels / | 14 |
| Progressive Petroleum LLC (Cit | 9 |
| Motel 6 | 6 |
| Best Western - Membership Agre | 5 |
| Sunoco, LLC (Various Brands) F | 5 |
| Comfort Inn by Choice Hotels/C | 5 |
| Supreme Oil Co (Exxon Mobil Br | 4 |
| Econo Lodge by Choice Hotels/E | 4 |
| Baymont by Wyndham aka Baymont | 4 |
| Super 8 by Wyndhan | 4 |
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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.