States Served
Top Industries Financed
- Limited-Service Restaurants
- Child Day Care Services
- Full-Service Restaurants
- Residential Remodelers
- Electrical Contractors
Quick Summary
22nd State Bank, A Division of 22nd State Banking Company is an SBA-approved lender headquartered in Mobile, Alabama. They are an SBA Preferred Lender, meaning they can approve loans without prior SBA review. Since 2020, they have approved 320 SBA 7(a) loans totaling $372.2M, with an average loan size of $1.2M. They serve businesses across 43 states.
About 22nd State Bank, A Division of 22nd State Banking Company
22nd State Bank, A Division of 22nd State Banking Company is an SBA-approved lender headquartered in Mobile, Alabama. Since 2020, they have approved 320 SBA 7(a) loans totaling $372.2M, with an average loan size of $1.2M. As an SBA Preferred Lender, they have delegated authority to approve SBA loans without prior SBA review, resulting in faster processing times. They serve businesses across 43 states.
Before you apply — know where you stand
Nav is the only place where you can track your FICO SBSS score — the score the SBA uses to determine loan eligibility.
Helpful SBA Borrower Guides
Frequently Asked Questions
Is 22nd State Bank, A Division of 22nd State Banking Company an SBA Preferred Lender?
Yes, 22nd State Bank, A Division of 22nd State Banking Company is an SBA Preferred Lender (PLP). This means they have delegated authority from the SBA to approve loans without prior SBA review, resulting in faster approvals — typically 7–10 business days instead of 4–6 weeks.
How many SBA loans has 22nd State Bank, A Division of 22nd State Banking Company approved?
According to SBA FOIA public records, 22nd State Bank, A Division of 22nd State Banking Company has approved 320 SBA 7(a) loans totaling $372.2M since 2020. Their average loan size is $1.2M.
What states does 22nd State Bank, A Division of 22nd State Banking Company serve?
22nd State Bank, A Division of 22nd State Banking Company serves businesses in 43 states: Alaska, Alabama, Arkansas, Arizona, California, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Iowa, Illinois, Indiana, Kansas, Kentucky, Massachusetts, Maryland, Maine, Michigan, Minnesota, Missouri, Montana, North Carolina, New Hampshire, New Jersey, New Mexico, Nevada, New York, Ohio, Oklahoma, Oregon, Pennsylvania, South Carolina, Tennessee, Texas, Utah, Virginia, Vermont, Washington, Wisconsin, West Virginia, Wyoming.
How do I apply for an SBA loan with 22nd State Bank, A Division of 22nd State Banking Company?
To apply for an SBA 7(a) loan with 22nd State Bank, A Division of 22nd State Banking Company, contact them directly through the form on this page. Before applying, check your FICO SBSS score (the SBA's pre-screening score) and have your financial statements, business plan, and tax returns ready. Most SBA lenders require 2+ years in business, $100K+ annual revenue, and a personal credit score of 640+.
Get in Touch with This Lender
Contact 22nd State Bank, A Division of 22nd State Banking Company
Ready to Apply for an SBA Loan?
Check if you qualify in minutes — no impact to your credit score.
SBA 7(a) loans up to $5M · Rates from 10.5% · As fast as 7 days