# Capital Bank SBA loans in Virginia **Short answer:** SBA's loan file shows Capital Bank made 63 SBA loans in Virginia since October 2019. 33.3% went through SBA Express, against 10.5% of its loans nationally. The lender made 1.1% of Virginia's SBA loans, against 0.17% of loans nationwide. Canonical page: https://www.sbaexpress.loans/sba-express-lenders/capital-bank/virginia/ Data as of: 2026-06-30 This site is not Capital Bank sbaexpress.loans is not Capital Bank, and Capital Bank did not provide, review or pay for this page. Janover Capital LLC runs this site. Every figure on this page comes from SBA's public 7(a) loan file, not from Capital Bank. These are the 63 SBA 7(a) loans [Capital Bank](https://www.sbaexpress.loans/sba-express-lenders/capital-bank/) made in [Virginia](https://www.sbaexpress.loans/virginia-small-business-loans/) approved October 2019 to June 2026. Each figure is set against all of its loans in the U.S. over the same period. State is where the business is, not where the lender is based. The file lists loans SBA approved, so it shows what the lender has done and not what it will do for you. Every state page for this lender uses this same period, so the pages can be compared with each other. ## How Capital Bank differs in Virginia **What this means for you.** SBA Express was a more common route for these loans here, so ask Capital Bank about it if your loan is small enough to qualify. ### SBA Express 33.3% of the loans in Virginia went through SBA Express, against 10.5% of its loans nationally. SBA Express, share of loans, Oct 2019 to Jun 2026 - Virginia: 33.3% - All its U.S. loans: 10.5% ### Share of the state's loans Capital Bank made 1.1% of the SBA loans approved in Virginia since October 2019, against 0.17% of loans nationwide. Its share here is 6.5 times its national share. Share of all SBA loans, Oct 2019 to Jun 2026 - Virginia: 1.1% - All its U.S. loans: 0.17% We compared 8 measures with the national figure for the same period, and these are the 2 that differ clearly. The table compares every measure. ## Virginia next to the U.S. **Virginia compared with all of Capital Bank's U.S. loans, October 2019 to June 2026** | Measure | Virginia | All its U.S. loans | Reading | | --- | --- | --- | --- | | Lender's share of all SBA loans | 1.1% | 0.17% | Clearly higher | | Median loan | $350,000 | $310,000 | No clear gap | | Middle half of loans | $235,000 to $698,350 | $177,500 to $507,500 | – | | Startups (the loan opens the business) | 22.2% | 16.6% | No clear gap | | In business 2 years or less | 7.9% | 14.9% | No clear gap | | In business more than 2 years | 52.4% | 52.3% | No clear gap | | Change of ownership | 12.7% | 12.8% | No clear gap | | SBA Express | 33.3% | 10.5% | Clearly higher | | Lines of credit | 19.0% | 7.6% | No clear gap | | Median term | 10 years | 10 years | – | | Median spread over Prime at approval | 2.75 points over Prime | 2.75 points over Prime | – | Clearly higher and clearly lower mark a gap large enough to matter and unlikely to be chance for this many loans. Spread over Prime is the rate at approval minus Prime that day, so it is not today's rate. Rows with a dash are shown for reference. ## What Capital Bank lends to in Virginia No single industry reached 5 loans from October 2019 to June 2026, so we do not rank industries here. ## Capital Bank in other states Other states where these loans differ clearly from the national pattern, most loans first. **Capital Bank by state** | State | Loans since October 2019 | | --- | --- | | [Maryland](https://www.sbaexpress.loans/sba-express-lenders/capital-bank/maryland/) | 68 | ## Other lenders in Virginia Other lenders in Virginia with a clear difference from the national pattern, most loans first. **Other lenders in Virginia** | Lender | Loans since October 2019 | | --- | --- | | [M&T Bank](https://www.sbaexpress.loans/sba-express-lenders/m-and-t-bank/virginia/) | 648 | | [The Huntington National Bank](https://www.sbaexpress.loans/sba-express-lenders/the-huntington-national-bank/virginia/) | 390 | | [TD Bank](https://www.sbaexpress.loans/sba-express-lenders/td-bank/virginia/) | 194 | | [TowneBank](https://www.sbaexpress.loans/sba-express-lenders/townebank/virginia/) | 80 | | [PNC Bank](https://www.sbaexpress.loans/sba-express-lenders/pnc-bank/virginia/) | 66 | How to read this Counts come from SBA's 7(a) loan-level data release, as of June 30, 2026. The file lists loans SBA approved. It does not list declined applications, so it cannot show approval odds. We do not publish any figure built on fewer than 5 loans. A lender's past loans do not describe its current credit policy. Location is the borrower's address in the file. Loans are those approved October 1, 2019 to June 30, 2026. SBA's fiscal year runs October 1 to September 30. Each figure is set against the national figure for the same period. A gap is called clear when it is large enough to matter and unlikely to be chance for this many loans. A comparison with no clear gap in the loans is not published. Express counts SBA Express and Export Express loans. Lines of credit are loans SBA's file flags as revolving. [How we build these pages](https://www.sbaexpress.loans/method/). ## Sources - [SBA 7(a) and 504 FOIA loan-level data, as of June 30, 2026](https://data.sba.gov/dataset/7a-504-foia)