{"citation":"PromiseOne Bank SBA loans. SBA Express Loans, Janover Capital LLC (data as of June 30, 2026). https://www.sbaexpress.loans/sba-express-lenders/promiseone-bank/ Source: SBA 7(a) and 504 FOIA loan-level data, as of June 30, 2026 (https://data.sba.gov/dataset/7a-504-foia).","url":"https://www.sbaexpress.loans/sba-express-lenders/promiseone-bank/","title":"PromiseOne Bank SBA loans","data_as_of":"2026-06-30","checked":null,"sources":[{"label":"SBA 7(a) and 504 FOIA loan-level data, as of June 30, 2026","url":"https://data.sba.gov/dataset/7a-504-foia"},{"label":"13 CFR § 120.214(d)","url":"https://www.ecfr.gov/current/title-13/section-120.214"},{"label":"SOP 50 10 8.1, Sec. B, Ch. 2, Para. B.1 (p. 126)","url":"https://legacy.sba.gov/sites/default/files/2026-10/SOP%2050%2010%208.1%20Technical%20Policy%20Updates%20effective%20%2010.1.2026.docx"},{"label":"SOP 50 10 8.1, Sec. B, Ch. 2, Para. C.2 (Para. C begins p. 127)","url":"https://legacy.sba.gov/sites/default/files/2026-10/SOP%2050%2010%208.1%20Technical%20Policy%20Updates%20effective%20%2010.1.2026.docx"},{"label":"FDIC BankFind: institution directory (headquarters and website)","url":"https://banks.data.fdic.gov/bankfind-suite/bankfind"}],"data":{"lender":{"name":"PromiseOne Bank","legal_name":"PromiseOne Bank","type":"bank","headquarters_city":"Duluth","headquarters_state":"GA","fdic_certificate":58657,"ncua_charter":null,"regulator_status":"active","website":"https://www.promiseone.bank","rank_by_loans":148,"lenders_ranked":807},"window":{"id":"recent","from":"2023-10-01","to":"2026-06-30"},"loans":127,"dollars_approved":129288500,"median_loan":560000,"loan_25th_percentile":250000,"loan_75th_percentile":1220000,"median_term_months":180,"median_starting_rate_pct":9.0,"median_starting_rate_window":{"id":"recent","from":"2023-10-01","to":"2026-06-30"},"median_spread_over_prime_points":1.5,"sba_express_share_pct":5.5,"line_of_credit_share_pct":5.5,"loans_by_size":{"$50,000 or less":null,"$50,001 to $150,000":21,"$150,001 to $350,000":26,"$350,001 to $500,000":12,"$500,001 to $1,000,000":32,"$1,000,001 to $2,000,000":17,"Over $2,000,000":18},"loans_by_business_age":{"In business more than 2 years":47,"In business 2 years or less":26,"Startup: the loan opens the business":23,"Change of ownership":31,"Not answered":0},"top_states":{"Georgia":48,"Pennsylvania":17,"Texas":13,"Florida":9,"New York":6},"top_industries":{"Hotels (except Casino Hotels) and Motels":18,"Full-Service Restaurants":14,"Gasoline Stations with Convenience Stores":14,"Limited-Service Restaurants":13,"Beer, Wine, and Liquor Retailers":10},"loans_by_fiscal_year":{"2020":90,"2021":64,"2022":27,"2023":41,"2024":33,"2025":54,"2026":40},"charge_offs":{"loans_approved_in":"FY2020 to FY2022","loans":181,"charged_off_pct_of_loans":0.0,"charged_off_pct_of_dollars":0.0},"all_lenders":{"median_loan":150300,"median_spread_over_prime_points":2.75,"sba_express_share_pct":35.8,"line_of_credit_share_pct":28.1,"charged_off_pct_of_loans":3.6},"note":"Null means fewer than 5 loans. Loans SBA approved only: the file has no denials."}}