Byline Bank: SBA Lending Record

Byline Bank: loans and programs

Byline Bank stands at 4,434 approved loans and $5.37 billion gross, FY2017 to FY2026. SBA, not Byline Bank, guarantees these 4,434 loans. Counts for Byline Bank describe records only. Byline Bank holds or held these 4,434 loans, as SBA records them. SBA lists Byline Bank with the lender state IL. Program split at Byline Bank: 4,434 for 7(a), 0 for 504.

Classes and places for Byline Bank

Byline Bank has 2,970 loans, of 4,434, outside the classes covered on this site. Of the classes followed, Byline Bank runs: Limited-service restaurant (263), Full-service restaurant (230), Gas station and truck stop (189), Liquor store (111), Child care center (107), Fitness center (100), Grocery store (54), Automotive mechanical repair (car and truck) (50). RV park and campground closes the class list with 5 loans. Limited-service restaurant borrowers can place a project next to 263 such loans at Byline Bank. Full-service restaurant follows with 230 loans at Byline Bank. In Gas station and truck stop, Byline Bank shows 189 loans. Wisconsin ranks second among states for Byline Bank, at 443 loans. Loans of Byline Bank by state begin with Illinois (1,124), Wisconsin (443), California (396), Texas (310), Florida (247), Michigan (176), Indiana (124), Minnesota (119), Colorado (116), Ohio (114). The state list closes with West Virginia, 5 loans. IL is where SBA places the lender; Illinois shows the most loans, 1,124.

Byline Bank: cancellations and losses

For Byline Bank approvals from FY2017 to FY2024, 16.1% were cancelled after approval, a floor; and 16.4% as a ceiling that counts undisbursed loans. Byline Bank shows floors, not final rates, and so later losses in the group would raise it. On the FY2017 to FY2021 disbursements of Byline Bank, 6.0% stand charged off as of the file, a floor, over 1,875 loans. The five-year view for Byline Bank, measured from approval, reads 2.6%.

Using the Byline Bank record in a study

Limited-service restaurant at Byline Bank starts with a test of demand. Then, a study of Full-service restaurant needs to test development cost, with 230 such loans on Byline Bank's record. Then comes debt service coverage: Byline Bank shows $5.37 billion across 4,434 loans, but the coverage test belongs to the project alone. Fourth stands the appraisal, which no count of 189 Gas station and truck stop loans at Byline Bank can displace. A borrower in Illinois will see 1,124 loans in the Byline Bank record, and one in Wisconsin, 443. Only Byline Bank can say what it asks of a borrower. No approval is implied here, and Byline Bank sets its own terms.