# Metro City Bank (SBA lending)

Eleven named SBA officers across seven states.

A 221-loan change-of-ownership book across its Georgia and Texas seats in the FOIA loan file, second and third in those states, from a Korean American bank whose dedicated SBA desk lists eleven named officers. The 7(a) and 504 run to $5 million aggregate, business acquisition named among uses, and branches enumerated city by city across seven states.

- Category: SBA & Acquisition Lenders
- Pricing model: Custom Pricing
- Where it fits: Set Up & Fund the Search, Diligence & Close the Deal
- Website: https://www.metrocitybank.bank/lending/products/small-business-administration-loans-sba

## At a Glance

The biggest acquisition book our queue cuts kept missing, because neither seat is a number one: 221 loans across Georgia and Texas from a desk with eleven named officers. In its seven states, call it beside the national names and ask the officer for the two figures the page leaves out.

## What It Costs

Loan products; no fee to engage. The SBA page states the structure but not the price: 7(a) and 504 to $5 million aggregate, repayment to 25 years for land and buildings and 10 for other purposes, government limits on rates, and business acquisition named among uses. There are no down payment or rate figures anywhere. The FOIA loan file places it second in Georgia with 138 change-of-ownership loans and third in Texas with 83 across the file's six years, 221 across two states whose median acquisition loans both run near $900,000.

## Best For

Buyers in its seven branch states, around its Georgia and Texas strongholds especially, who want a dedicated SBA desk with a named officer to call

## Pros and Cons

- Pro: Second in Georgia's and third in Texas's [change-of-ownership](https://searchspheresource.com/glossary/change-of-ownership) top fives in the FOIA loan file, 221 loans across the two seats
- Pro: A dedicated SBA desk with eleven named loan officers and direct numbers, not a general business line
- Pro: Names business acquisition among SBA uses, with the $5 million aggregate and the 25-and-10-year term structure stated
- Pro: Branch cities enumerated across Georgia, Alabama, Florida, Virginia, Texas, New York, and New Jersey, so reach is never a guess
- Con: States no [Preferred Lender](https://searchspheresource.com/glossary/preferred-lender-program) status on the page, so ask whether approval runs in-house or through an SBA office
- Con: No rates or down payments published; the government-limits line is all the pricing said
- Con: The officer bench sits in the Atlanta metro, so a Texas or New York file is served at a distance from the desk
- Con: No Searchfunder or Reddit thread discusses the lender, so there is no practitioner account of how it handles a [search-fund](https://searchspheresource.com/glossary/search-fund) file

## What Searchers Say

The acquisition use, the $5 million aggregate, the term structure, the eleven named SBA officers, and the branch cities across seven states are its own pages'. The FOIA loan file independently places it second in Georgia's and third in Texas's change-of-ownership top fives across the file's six years.

## Sources

- https://www.metrocitybank.bank/lending/products/small-business-administration-loans-sba
- https://www.metrocitybank.bank/lending/meet-the-team/sba-loan-officers
- https://searchspheresource.com/data/acquisition-lending

Also on this site: https://searchspheresource.com/resources/category/lender.md
Source: https://searchspheresource.com/resources/metro-city-bank
Last checked: 2026-08-08

Site index for machines: https://searchspheresource.com/llms.txt