The Fidelity Bank
Headquartered in FUQUAY VARINA, NC. Analysis based on 210 SBA 7(a) loans approved between FY2020 and 2025-12-31, totaling $196.0M.
Total 7(a) loans
210
Total approved
$196.0M
Average loan
$933K
States funded in
28
Charge-off rate
3.60%
FY2020–FY2023 cohort
Paid-in-full rate
18.02%
Average rate
8.88%
Average term
162 mo
Top 10 industries financed
| NAICS | Industry | Loans |
|---|---|---|
| 722513 | Limited-Service Restaurants | 14 |
| 722511 | Full-Service Restaurants | 13 |
| 812910 | Pet Care (except Veterinary) Services | 9 |
| 811111 | General Automotive Repair | 9 |
| 238210 | Electrical Contractors | 7 |
| 238220 | Plumbing, Heating, and Air-Conditioning Contractors | 7 |
| 721110 | Hotels (except Casino Hotels) and Motels | 7 |
| 722515 | Snack and Nonalcoholic Beverage Bars | 7 |
| 238990 | All Other Specialty Trade Contractors | 5 |
| 562910 | Remediation Services | 4 |
Top 10 states
| State | Loans |
|---|---|
| NC | 113 |
| TX | 24 |
| SC | 18 |
| FL | 14 |
| IL | 4 |
| NJ | 3 |
| VA | 3 |
| TN | 3 |
| NY | 2 |
| AR | 2 |
Top franchise brands financed
52 franchise loans across 39 distinct brands.
| Franchise | Loans |
|---|---|
| AAMCO Transmissions | 4 |
| Crave Hot Dogs and BBQ | 3 |
| Summer Moon Coffee Shop | 3 |
| Potbelly Sandwich Shop | 2 |
| Cottman Transmission and Total | 2 |
| The UPS Store (f/k/a Mail Box | 2 |
| Red Roof Inn | 2 |
| Mayweather Boxing & Fitness | 2 |
| Super 8 by Wyndhan | 2 |
| Midas | 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.