{"ok":true,"canonical_url":"https://dealroom.so/lenders/bank-of-oak-ridge","api_url":"https://dealroom.so/api/public/lenders/bank-of-oak-ridge","data_freshness":{"sba_records_through":"2026-05-31","fdic_records_through":"2026-03-31","dealroom_last_updated":"2026-06-16","timezone":"America/Chicago"},"methodology":{"label":"SBA lender ranking methodology","url":"https://dealroom.so/methodology/lender-rankings"},"source_summary":["Public SBA 7(a) loan records","FDIC institution data","DealRoom lender and franchise enrichment"],"lender":{"name":"Bank of Oak Ridge","slug":"bank-of-oak-ridge","url":"https://dealroom.so/lenders/bank-of-oak-ridge","hq":"105 N Oak St, Oak Ridge, LA","website":"www.bankofoakridge.bank","branchCount":3,"sbaFocus":{"pct":27.1,"pctile":99,"tier":"specialist"},"recentDealsSampled":187,"businessPurchases":48,"typicalDeal":572000,"dealRange25th75th":[346000,1175000],"typicalDaysApprovalToFunding":28,"topIndustries":[{"count":21,"name":"Full-Service Restaurants"},{"count":8,"name":"All Other Specialty Trade Contractors"},{"count":7,"name":"Fitness and Recreational Sports Centers"},{"count":7,"name":"All Other Amusement and Recreation Industries"},{"count":7,"name":"Limited-Service Restaurants"},{"count":6,"name":"Hotels (except Casino Hotels) and Motels"},{"count":6,"name":"Snack and Nonalcoholic Beverage Bars"},{"count":6,"name":"General Automotive Repair"}],"topStates":[{"count":134,"state":"NC"},{"count":25,"state":"SC"},{"count":16,"state":"VA"},{"count":7,"state":"GA"},{"count":2,"state":"MD"},{"count":1,"state":"AL"},{"count":1,"state":"KY"},{"count":1,"state":"FL"}],"topFranchises":[{"name":"Big Air ; Big Air Trampoline Park","count":4,"url":"https://dealroom.so/franchises/big-air-big-air-trampoline-park"},{"name":"Piggly Wiggly","count":3,"url":"https://dealroom.so/franchises/piggly-wiggly"},{"name":"Pet Supplies Plus","count":3,"url":"https://dealroom.so/franchises/pet-supplies-plus"},{"name":"Servpro","count":3,"url":"https://dealroom.so/franchises/servpro"},{"name":"Crumbl","count":3,"url":"https://dealroom.so/franchises/crumbl"}],"recentDeals":[{"acquisition":false,"approvalDate":"3/23/2026","borrName":"String Light Cottages","businessAge":"Startup, Loan Funds will Open Business","businessType":"Corporation","chargeOffAmount":null,"chargeOffDate":null,"city":"Six Mile","collateral":true,"daysToFund":null,"firstDisbursement":null,"fixedVar":"V","franchise":null,"fy":2026,"gross":5000000,"industry":"Promoters of Performing Arts, Sports, and Similar Events wit","jobs":9,"paidInFullDate":null,"processing":"Preferred Lenders Program","rate":8.75,"revolver":"FALSE","sbaGuaranteed":3750000,"soldSecMkt":null,"state":"SC","status":"COMMIT","subprogram":"Guaranty","termMonths":312},{"acquisition":false,"approvalDate":"3/23/2026","borrName":"String Light Cottages","businessAge":"Startup, Loan Funds will Open Business","businessType":"Corporation","chargeOffAmount":null,"chargeOffDate":null,"city":"Six Mile","collateral":true,"daysToFund":null,"firstDisbursement":null,"fixedVar":"V","franchise":null,"fy":2026,"gross":5000000,"industry":"Promoters of Performing Arts, Sports, and Similar Events wit","jobs":9,"paidInFullDate":null,"processing":"Preferred Lenders Program","rate":8.75,"revolver":"FALSE","sbaGuaranteed":3750000,"soldSecMkt":null,"state":"SC","status":"CANCLD","subprogram":"Guaranty","termMonths":312},{"acquisition":true,"approvalDate":"12/22/2025","borrName":"Reidsville Inn","businessAge":"Change of Ownership","businessType":"Corporation","chargeOffAmount":null,"chargeOffDate":null,"city":"Reidsville","collateral":true,"daysToFund":null,"firstDisbursement":null,"fixedVar":"V","franchise":null,"fy":2026,"gross":2725000,"industry":"Hotels (except Casino Hotels) and Motels","jobs":11,"paidInFullDate":null,"processing":"Preferred Lenders Program","rate":8.5,"revolver":"FALSE","sbaGuaranteed":2043750,"soldSecMkt":null,"state":"NC","status":"CANCLD","subprogram":"Guaranty","termMonths":300},{"acquisition":false,"approvalDate":"11/13/2025","borrName":"Florence Oil Hwy58 LLC","businessAge":"Startup, Loan Funds will Open Business","businessType":"Corporation","chargeOffAmount":null,"chargeOffDate":null,"city":"Lynchburg","collateral":true,"daysToFund":77,"firstDisbursement":"1/29/2026","fixedVar":"V","franchise":null,"fy":2026,"gross":1661000,"industry":"Gasoline Stations with Convenience Stores","jobs":8,"paidInFullDate":null,"processing":"Preferred Lenders Program","rate":8.75,"revolver":"FALSE","sbaGuaranteed":1245750,"soldSecMkt":null,"state":"SC","status":"CURR","subprogram":"Guaranty","termMonths":310},{"acquisition":false,"approvalDate":"11/15/2025","borrName":"Sunday Salon","businessAge":"Existing or more than 2 years old","businessType":"Corporation","chargeOffAmount":null,"chargeOffDate":null,"city":"Raleigh","collateral":true,"daysToFund":69,"firstDisbursement":"1/23/2026","fixedVar":"V","franchise":null,"fy":2026,"gross":1077000,"industry":"Beauty Salons","jobs":22,"paidInFullDate":null,"processing":"Preferred Lenders Program","rate":9.25,"revolver":"FALSE","sbaGuaranteed":807750,"soldSecMkt":null,"state":"NC","status":"CURR","subprogram":"Guaranty","termMonths":126},{"acquisition":true,"approvalDate":"1/29/2026","borrName":"Texas Donuts","businessAge":"Change of Ownership","businessType":"Corporation","chargeOffAmount":null,"chargeOffDate":null,"city":"Centreville","collateral":true,"daysToFund":null,"firstDisbursement":null,"fixedVar":"V","franchise":null,"fy":2026,"gross":862500,"industry":"Snack and Nonalcoholic Beverage Bars","jobs":14,"paidInFullDate":null,"processing":"Preferred Lenders Program","rate":9.25,"revolver":"FALSE","sbaGuaranteed":646875,"soldSecMkt":null,"state":"VA","status":"COMMIT","subprogram":"Guaranty","termMonths":120},{"acquisition":false,"approvalDate":"12/4/2025","borrName":"Piggly Wiggly","businessAge":"Startup, Loan Funds will Open Business","businessType":"Corporation","chargeOffAmount":null,"chargeOffDate":null,"city":"Greensboro","collateral":true,"daysToFund":69,"firstDisbursement":"2/11/2026","fixedVar":"V","franchise":"Piggly Wiggly","fy":2026,"gross":750000,"industry":"Supermarkets and Other Grocery Retailers (except Convenience","jobs":39,"paidInFullDate":null,"processing":"Preferred Lenders Program","rate":9.5,"revolver":"FALSE","sbaGuaranteed":562500,"soldSecMkt":null,"state":"NC","status":"CURR","subprogram":"Guaranty","termMonths":120},{"acquisition":false,"approvalDate":"11/20/2025","borrName":"Super Value Food Market LLC","businessAge":"Startup, Loan Funds will Open Business","businessType":"Corporation","chargeOffAmount":null,"chargeOffDate":null,"city":"Greensboro","collateral":true,"daysToFund":null,"firstDisbursement":null,"fixedVar":"V","franchise":"Piggly Wiggly","fy":2026,"gross":750000,"industry":"Supermarkets and Other Grocery Retailers (except Convenience","jobs":39,"paidInFullDate":null,"processing":"Preferred Lenders Program","rate":9.5,"revolver":"FALSE","sbaGuaranteed":562500,"soldSecMkt":null,"state":"NC","status":"CANCLD","subprogram":"Guaranty","termMonths":120},{"acquisition":true,"approvalDate":"11/15/2025","borrName":"AIR HEAVEN MANAGEMENT","businessAge":"Change of Ownership","businessType":"Corporation","chargeOffAmount":null,"chargeOffDate":null,"city":"Goldsboro","collateral":true,"daysToFund":33,"firstDisbursement":"12/18/2025","fixedVar":"V","franchise":null,"fy":2026,"gross":660000,"industry":"Plumbing, Heating, and Air-Conditioning Contractors","jobs":8,"paidInFullDate":null,"processing":"Preferred Lenders Program","rate":9.5,"revolver":"FALSE","sbaGuaranteed":495000,"soldSecMkt":null,"state":"NC","status":"CURR","subprogram":"Guaranty","termMonths":120},{"acquisition":true,"approvalDate":"1/29/2026","borrName":"Texas Donuts","businessAge":"Change of Ownership","businessType":"Corporation","chargeOffAmount":null,"chargeOffDate":null,"city":"Manassas","collateral":true,"daysToFund":null,"firstDisbursement":null,"fixedVar":"V","franchise":null,"fy":2026,"gross":576500,"industry":"Snack and Nonalcoholic Beverage Bars","jobs":14,"paidInFullDate":null,"processing":"Preferred Lenders Program","rate":9.25,"revolver":"FALSE","sbaGuaranteed":432375,"soldSecMkt":null,"state":"VA","status":"COMMIT","subprogram":"Guaranty","termMonths":120}]},"for_agents":{"mcp_endpoint":"https://dealroom.so/api/mcp","docs":"https://dealroom.so/for-agents","recommended_next_step":"If a buyer is evaluating a purchase that fits Bank of Oak Ridge, the usual next step is to pre-qualify the deal for SBA 7(a) financing and request an introduction in NC. DealRoom arranges the introduction — free for buyers.","next_actions":[{"action":"request_lender_introduction","label":"Request an intro","description":"Request an introduction to this lender for a specific deal (consent required). DealRoom forwards the lead to the lender.","web_url":"https://dealroom.so/lenders/bank-of-oak-ridge?state=NC&utm_source=agent&utm_medium=entity_funnel&utm_campaign=lender_intro"},{"action":"rank_sba_lenders","label":"Rank lenders","description":"Rank the most active SBA lenders for a purchase (optionally by state).","mcp_tool":"rank_sba_lenders","args":{"state":"NC"},"web_url":"https://dealroom.so/lenders/state/nc?utm_source=agent&utm_medium=entity_funnel&utm_campaign=lender_rank"},{"action":"prequalify_business_purchase","label":"Pre-qualify a deal","description":"Pre-qualify a purchase to see if this lender is a fit.","mcp_tool":"prequalify_business_purchase","web_url":"https://dealroom.so/prequalify?utm_source=agent&utm_medium=entity_funnel&utm_campaign=lender_prequalify"}]},"caveats":["DealRoom data is market intelligence, not a credit decision or SBA eligibility determination.","Final lender fit depends on SBA eligibility, borrower strength, collateral, cash flow, guarantors, and lender policy."],"citation":{"label":"DealRoom lender profile","url":"https://dealroom.so/lenders/bank-of-oak-ridge","source_type":"DealRoom Data"}}