Frost Bank: SBA Lending Profile
Frost Bank is an FDIC-insured bank, headquartered in San Antonio, TX. It is active in 5 states, concentrated around TX, OK, NC. Everything below comes from federal SBA loan records, not from the lender's marketing. This is what it has actually funded.
Loan sizes Frost Bank actually approves
The median SBA approval at Frost Bank is $339,500. The middle 80% of its loans fall between $85,000 and $1,599,800. The smallest funded approval in the available source window is $25,000 and the largest is $5,000,000. If the amount you need sits far outside that range, this is probably not the right first call, no matter what the website says.
Programs
| Program | Loans FY25-26 | Median size | Median rate | Median term |
|---|---|---|---|---|
| SBA 7(a) | 131 | $340K | 7.25% | 10 years |
| 504 first mortgage (third party) | 8 | $839K | n/a | 20 years |
Industries it funds most
| Industry | Funded loans in source data | Share |
|---|---|---|
| Fitness and Recreational Sports Centers | 28 | 5.5% |
| Full-Service Restaurants | 26 | 5.1% |
| Limited-Service Restaurants | 24 | 4.7% |
| Snack and Nonalcoholic Beverage Bars | 18 | 3.5% |
| Offices of Physicians (except Mental Health Specialists) | 16 | 3.1% |
| Offices of Lawyers | 11 | 2.1% |
| Child Day Care Services | 10 | 2% |
| Beauty Salons | 9 | 1.8% |
| All Other Amusement and Recreation Industries | 9 | 1.8% |
| Pet Care (except Veterinary) Services | 8 | 1.6% |
| Offices of Physical, Occupational and Speech Therapists, and Audiologists | 8 | 1.6% |
| General Automotive Repair | 7 | 1.4% |
How fast Frost Bank actually funds
Approval is not money in the bank. Across 490 loans where both dates are on record, the typical gap between SBA approval and first disbursement at Frost Bank is 26 days. Half its loans fund between 16 and 49 days. The typical SBA lender takes about 20 days, so this is roughly in line with the market.
Lending momentum
Frost Bank is expanding its SBA program. Approvals are up 20.9% from FY2023 to FY2025, which usually means an active appetite and a team that wants deals.
Funded approvals by SBA fiscal year (October to September). FY2026 is excluded because it is still in progress.
Conventional small business lending, beyond SBA
SBA loans are a fraction of most banks' small business lending. Under the Community Reinvestment Act, Frost Bank reported 4,921 small business loan originations in 2024, totaling $1.4B, at an average of about $278K per loan across 25 states. 39% of those loans went to businesses with under $1M in annual revenue.
Borrower profile
- 58.7% of its funded SBA records with known business age went to startups or businesses under two years old, which is high, most SBA lenders skew heavily toward established companies.
- Collateral was taken on 99.6% of its recent SBA loans.
- 22.5% of its SBA lending is revolving lines of credit rather than term loans.
- 76.4% of its loans carry fixed rates; the rest are variable.
Smarter Business Funding
Find out what your business could qualify for
Answer six quick questions and get your business funding profile. We match it against real SBA lending records and follow up personally. No credit check, about 60 seconds.
Start your funding profile →Owner Experiences
Worked with Frost Bank? Tell other owners.
Real experiences from business owners help others pick the right lender. Reviews are screened before publishing. We never pay for reviews, and lenders cannot pay to change or remove them.
Sources and limits. Figures are derived from U.S. Small Business Administration 7(a) and 504 FOIA loan-level records (data as of 2026-06-30, retrieved 2026-08-08) and FDIC public institution data. Conventional small business lending figures from FFIEC CRA disclosure data (2024 activity year); CRA loan counts include business credit card originations at some institutions. Funding speed is the median gap between approval date and first disbursement date in SBA records. Some lenders report disbursement at month end, which can round the figure upward. They describe past lending activity only. They are not rate quotes, not current offers, and not an indication that any business will qualify. Lender programs and criteria change. Big Brain Funding is not affiliated with or endorsed by Frost Bank.