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Lender record

Millennium Bank

The real lending record — every figure from funded deals. HQ: 6392 Artesian Cir, Ooltewah, TN. 14 branches.

249

Recent deals (FY20+)

$1.7M

Typical deal

24 days

Approval → funding

0.6%

Failure rate (FY20–23)

Where Millennium Bank lends

Deals Millennium Bank funded — list all 249 as text

Deal profile

Most Millennium Bank deals land between $810K and $3.3M — that range covers half of everything they fund. Top industries and states:

Industries they fund most

  1. 1.Hotels (except Casino Hotels) and Motels (138)
  2. 2.Gasoline Stations with Convenience Stores (26)
  3. 3.Full-Service Restaurants (11)
  4. 4.Beer, Wine, and Liquor Stores (8)
  5. 5.Beer, Wine, and Liquor Retailers (7)
  6. 6.Beauty Salons (5)
  7. 7.Convenience Retailers (4)
  8. 8.Pharmacies and Drug Retailers (3)

Most active states

  1. 1.Illinois (133 deals)
  2. 2.Indiana (35 deals)
  3. 3.Wisconsin (13 deals)
  4. 4.Michigan (10 deals)
  5. 5.Georgia (9 deals)
  6. 6.Texas (8 deals)
  7. 7.Ohio (6 deals)
  8. 8.Minnesota (5 deals)
  9. 9.Tennessee (4 deals)
  10. 10.New York (3 deals)

Franchises they finance most

Super 8 by Wyndhan

9 deals

Comfort Inn by Choice Hotels/Comfort Inn & Suites by Choice

8 deals

Econo Lodge by Choice Hotels/Econo Lodge Inn & Suites by Cho

7 deals

Motel 6

6 deals

Quality Inn by Choice Hotels /Quality Inn & Suites by Choice

5 deals

Can Millennium Bank fund you? The bank behind the loans

Total assets

$789.1M

▼ 0.3% vs prior quarter

Deposits on hand

$705.7M

▼ 0.3% vs prior quarter

Loans outstanding

$609.8M

▲ 2.2% vs prior quarter

Net income (latest qtr)

$1.2M

  • •SBA is a sideline here — this year's production is a rounding error against the loan book. Your deal competes with everything else they'd rather fund; a specialist bank will usually move faster. That makes Millennium Bank more SBA-focused than 15% 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 0.61% — 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 Millennium Bank branch (14)

Millennium BankMain office6392 Artesian CirOoltewah, TN 37363 · since 1999

Commons Office151 Nw Commons LoopLake City, FL 32055 · since 1989

Millennium Express Banking Mobile6392 Artesian CirOoltewah, TN 37363 · since 1999 · limited service

Messenger Service Branch350 W Belmont DrCalhoun, GA 30701 · since 2000 · limited service

South Office514 Sthy 47Lake City, FL 32025 · since 2001

East Brainerd Branch8045 E Brainerd RdChattanooga, TN 37421 · since 2002

Red Bud Road Branch100 Red Bud Rd NeCalhoun, GA 30701 · since 2004

Gainesville Branch7515 Sw 24th AveGainesville, FL 32607 · since 2017

Chestnut Street Branch823 Chestnut StChattanooga, TN 37402 · since 2017

Boulevard Branch1025 E Silver Springs BlvdOcala, FL 34470 · since 2017

Shallowford Branch7201 Shallowford RdChattanooga, TN 37421 · since 2018

Dalton Branch1412 Chattanooga Avenue ExtensionDalton, GA 30720 · since 2023

North Georgia National Bank Branch350 W Belmont DrCalhoun, GA 30701 · since 2025

Millennium Bank Branch1478 Market StChattanooga, TN 37402 · since 2025

Scroll for all 14 branches · Branch data: FDIC BankFind.

Recent deals

  • A & K MOTEL LLC in Elkhart, IN — $3.5M (2026) · purchase · Hotels (except Casino Hotels) and Motels
  • MDK Buildings LLC in Schaumburg, IL — $3.4M (2026) · Other Personal Care Services
  • VMM Inc. in Chicago, IL — $1.5M (2026) · Hotels (except Casino Hotels) and Motels
  • Big Chicken Crofton LLC in Gambrills, MD — $1.2M (2026) · Full-Service Restaurants
  • B & B RX Inc in Jackson Heights, NY — $918K (2026) · Pharmacies and Drug Retailers
  • Root & Remedy Wellness Co. LLC in Dalton, GA — $142K (2026) · All Other Health and Personal Care Retailers
  • Ohio Hotel Partners LLC in Columbus, OH — $5.0M (2025) · Hotels (except Casino Hotels) and Motels
  • Shyam RF Inc in Rockford, IL — $5.0M (2025) · Hotels (except Casino Hotels) and Motels
  • Jay Dadaveer Portage LLC in Portage, IN — $5.0M (2025) · Hotels (except Casino Hotels) and Motels
  • Kaana Hospitality SFLD LLC in Springfield, MO — $5.0M (2025) · Hotels (except Casino Hotels) and Motels

Hover or tap a deal for terms: program, rate, SBA guarantee, days to fund.

One of these businesses yours? Claim your listing or request removal.

Failed deals

1 of Millennium Bank's loans on record were charged off — the lender gave up collecting, which usually means the business failed. Each links to its full record.

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Businesses Millennium Bank financed

247 businesses on record — the 60 largest by funding. Each links to its full SBA record.

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CapBench analysis of public lending records, FY2020–present. Not affiliated with Millennium Bank.

Agent summary

This page summarizes Millennium 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.

  • 249 SBA 7(a) loans on record
  • $1.7M typical deal
  • 24 business-acquisition loans
  • HQ: 6392 Artesian Cir, Ooltewah, TN
  • 14 FDIC branch locations
  • FDIC total assets $789.1M

Next steps

Request an introRank lendersPre-qualify a deal
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.
Canonical:
https://www.capbench.com/lenders/millennium-bank-2
API:
https://www.capbench.com/api/public/lenders/millennium-bank-2
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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