Lender record
BHM Bank
The real lending record — every figure from funded deals. HQ: 2170 Highland Ave S, Birmingham, AL. 1 branch.
6
Recent deals (FY20+)
$245K
Typical deal
—
Approval → funding
Where BHM Bank lends
Deals BHM Bank funded — list all 6 as text
- HMSC Summit LLC — Tucker · $773K · FY2026 · General Warehousing and Storage
- 280 Hose & Supply, LLC — Sylacauga · $106K · FY2026 · Industrial Supplies Merchant Wholesalers
- daio Company — Atlanta · $100K · FY2026 · Bottled Water Manufacturing
- 24E Fitness Limited Liability Company — Trussville · $346K · FY2022 · Fitness and Recreational Sports Centers
- Hot and Fresh, LLC — Hoover · $245K · FY2020 · Snack and Nonalcoholic Beverage Bars
- OPA Dental Laboratory, LLC — Birmingham · $229K · FY2020 · Medical Laboratories
Deal profile
Most BHM Bank deals land between $106K and $346K — that range covers half of everything they fund. Top industries and states:
Industries they fund most
- 1.General Warehousing and Storage (1)
- 2.Industrial Supplies Merchant Wholesalers (1)
- 3.Bottled Water Manufacturing (1)
- 4.Fitness and Recreational Sports Centers (1)
- 5.Snack and Nonalcoholic Beverage Bars (1)
- 6.Medical Laboratories (1)
Most active states
- 1.Alabama (4 deals)
- 2.Georgia (2 deals)
Franchises they finance most
Can BHM Bank fund you? The bank behind the loans
Total assets
$17.7M
▼ 4.4% vs prior quarter
Deposits on hand
$14.4M
▼ 3.8% vs prior quarter
Loans outstanding
$9.4M
▼ 4.2% vs prior quarter
Net income (latest qtr)
$-270K
- •SBA is this bank's core business — this year's SBA production alone equals ~10.4% of its entire loan book. Expect a dedicated SBA desk, packaging help, and underwriters who do this all day. That makes BHM Bank more SBA-focused than 97% of the banks on our record.
- •Deposits shrank last quarter — worth asking early how much new-loan appetite they have right now.
- •Return on assets of -5.96% — well under the ~1% mark generally considered strong for a bank. How any of this translates to your rate is a question for the loan officer — pricing is set deal by deal.
FDIC call-report data, quarter ending 03/2026.
Walk into a BHM Bank branch (1)
Bhm BankMain office2170 Highland Ave SBirmingham, AL 35205 · since 2000
Branch data: FDIC BankFind.
Recent deals
- HMSC Summit LLC in Tucker, GA — $773K (2026) · General Warehousing and Storage
- Program
- 7a General
- Rate at approval
- 7.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $580K (75%)
- Approved
- 3/26/2026
- Loan status
- Committed
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Franchise
- COOL-BINZ
- Jobs supported
- 7
- Business age
- Startup, Loan Funds will Open Business
- Industry
- General Warehousing and Storage
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- 280 Hose & Supply, LLC in Sylacauga, AL — $106K (2026) · Industrial Supplies Merchant Wholesalers
- Program
- 7a General
- Rate at approval
- 9.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $90K (85%)
- Approval → funding
- 44 days
- Approved
- 12/2/2025
- First disbursed
- 1/15/2026
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 2
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Industrial Supplies Merchant Wholesalers
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- daio Company in Atlanta, GA — $100K (2026) · Bottled Water Manufacturing
- Program
- 7a General
- Rate at approval
- 9.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $85K (85%)
- Approved
- 2/27/2026
- Loan status
- Committed
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 3
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Bottled Water Manufacturing
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- 24E Fitness Limited Liability Company in Trussville, AL — $346K (2022) · Fitness and Recreational Sports Centers
- Program
- 7a General
- Rate at approval
- 6% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $259K (75%)
- Approval → funding
- 0 days
- Approved
- 12/3/2021
- First disbursed
- 12/3/2021
- Loan status
- Paid in full (7/31/2022)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 155
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Fitness and Recreational Sports Centers
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- Hot and Fresh, LLC in Hoover, AL — $245K (2020) · Snack and Nonalcoholic Beverage Bars
- Program
- 7a General
- Rate at approval
- 7.5% variable
- Term
- 126 months
- SBA guaranteed
- $184K (75%)
- Approval → funding
- 184 days
- Approved
- 11/29/2019
- First disbursed
- 5/31/2020
- Loan status
- Paid in full (12/31/2023)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Franchise
- Cinnaholic
- Jobs supported
- 3
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Snack and Nonalcoholic Beverage Bars
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- OPA Dental Laboratory, LLC in Birmingham, AL — $229K (2020) · purchase · Medical Laboratories
- Program
- 7a General
- Rate at approval
- 7.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $172K (75%)
- Approved
- 12/23/2019
- Loan status
- Cancelled
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 8
- Business age
- Change of Ownership
- Industry
- Medical Laboratories
If you were the buyer here
- Est. deal size
- $254K
- Est. down payment (10%)
- $25K
- Est. cash at closing
- $34K
- Monthly payment
- $2,718
- Annual debt service
- $33K
- Cash flow needed (1.25×)
- $41K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
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Businesses BHM Bank financed
6 businesses on record. Each links to its full SBA record.
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CapBench analysis of public lending records, FY2020–present. Not affiliated with BHM Bank.
Agent summary
This page summarizes BHM Bank's public SBA 7(a) lending record — deal sizes, industries, geography, and FDIC profile — from CapBench SBA Intelligence. CapBench is not a lender and does not originate or approve loans.
- 6 SBA 7(a) loans on record
- $245K typical deal
- 1 business-acquisition loans
- HQ: 2170 Highland Ave S, Birmingham, AL
- 1 FDIC branch location
- FDIC total assets $17.7M
- Data freshness:
- SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-06-17.
- Sources:
- Public SBA 7(a) loan records; FDIC institution data (BankFind); CapBench lender and franchise enrichment.
- Methodology:
- Sources & methodology
- Informational only — CapBench does not confirm this entity is for sale, eligible for SBA financing, or approved by any lender.
- Figures come from public records and CapBench methodology; verify before relying on them.
- Lender matches are informational and based on public lending activity — they do not guarantee lender interest or approval.
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