American Commerce Bank, National Association
SBA 7(a) Lending Profile · All Time analysis
Industry Focus
Top industries served by American Commerce Bank, National Association · All Time
| NAICS | Industry | Loans | Volume | Avg Loan | Share |
|---|---|---|---|---|---|
| 721110 | Hotels (except Casino Hotels) and Motels | 15 | $30.1M | $2.0M | 19.0% |
| 722511 | Full-Service Restaurants | 5 | $1.9M | $376K | 6.3% |
| 531130 | Lessors of Miniwarehouses and Self-Storage Units | 5 | $3.9M | $774K | 6.3% |
| 722513 | Limited-Service Restaurants | 4 | $1.1M | $283K | 5.1% |
| 112320 | Broilers and Other Meat Type Chicken Production | 4 | $5.3M | $1.3M | 5.1% |
| 457110 | Gasoline Stations with Convenience Stores | 3 | $11.0M | $3.7M | 3.8% |
| 811111 | General Automotive Repair | 2 | $190K | $95K | 2.5% |
| 811192 | Car Washes | 2 | $3.7M | $1.9M | 2.5% |
| 524210 | Insurance Agencies and Brokerages | 2 | $517K | $259K | 2.5% |
| 722515 | Snack and Nonalcoholic Beverage Bars | 1 | $265K | $265K | 1.3% |
Geographic Distribution
SBA lending activity for American Commerce Bank, National Association by state
| State | Loans | Volume | Share |
|---|---|---|---|
| Georgia (GA) | 58 | $60.9M | 73.4% |
| Alabama (AL) | 15 | $24.4M | 19.0% |
| Florida (FL) | 6 | $3.7M | 7.6% |
Why Choose American Commerce Bank, National Association?
Based on SBA 7(a) lending track record from 2008-2024
- ✓Proven Track Record: 79 SBA loans approved, totaling $89.0M in financing
- ✓Industry Expertise: Specialized focus on Hotels (except Casino Hotels) and Motels, Full-Service Restaurants, Lessors of Miniwarehouses and Self-Storage Units
- ✓Competitive Terms: Average interest rate of 6.07% with flexible term lengths averaging 228 months
- ✓Loan Range: Loan sizes from $15K to $5.0M, with an average of $1.1M
- ✓Nationwide Reach: Active lending in 3 states, with strong presence in GA, AL, FL
Note: Approval and terms are subject to SBA and lender requirements. This profile is based on historical data and does not guarantee future lending decisions.
Frequently Asked Questions
Common questions about American Commerce Bank, National Association SBA lending
What types of businesses does American Commerce Bank, National Association typically finance?
American Commerce Bank, National Association specializes in SBA 7(a) lending to specific industries including hotels (except casino hotels) and motels, full-service restaurants, lessors of miniwarehouses and self-storage units, limited-service restaurants. They have developed expertise in these sectors and understand the unique financial characteristics of each industry.
What are American Commerce Bank, National Association's typical SBA loan terms?
American Commerce Bank, National Association's SBA 7(a) loans typically feature an average interest rate of 6.07% and average term length of 228 months (approximately 19 years). Loan sizes range from $15K to $5.0M, with an average loan size of $1.1M.
Do I need a business valuation for a American Commerce Bank, National Association SBA loan?
Yes, American Commerce Bank, National Association typically requires a professional business valuation for SBA loans over $250,000 or for change-of-ownership transactions. A certified valuation helps establish the purchase price, loan amount, and ensures SBA compliance. The valuation typically costs $5,000-$15,000 depending on business complexity.
How does American Commerce Bank, National Association compare to other SBA lenders?
American Commerce Bank, National Association has originated 79 SBA loans totaling $89.0M since 2008. They distinguish themselves through industry specialization and expertise in their focus sectors. Compare their rates and terms with other lenders in our Commercial Lending Directory.
What states does American Commerce Bank, National Association lend in?
American Commerce Bank, National Association provides SBA 7(a) financing with particularly strong presence in GA, AL, FL. Based on their lending history, they have experience with diverse state-specific business regulations and licensing requirements.
Research Your Target Industry Before Applying
Before applying for SBA financing, research your industry's typical loan sizes, approval rates, and specialized lenders. Understanding industry-specific financing patterns can help you find the right lender and strengthen your application.
Our industry research reports provide comprehensive intelligence for 1,000+ industries including financial benchmarks, growth trends, financing patterns, and which lenders are most active in your sector.
Explore Industry Reports →Need a Business Valuation?
Certified valuations are often required for SBA loans over $250,000.
Get your certified valuation from Fair Market Value.