American Riviera Bank
SBA 7(a) Lending Profile · FY 2021 analysis
Industry Focus
Top industries served by American Riviera Bank
| NAICS | Industry | Loans | Volume | Avg Loan | Share |
|---|---|---|---|---|---|
| 722513 | Limited-Service Restaurants | 40 | $19.1M | $478K | 6.0% |
| 713940 | Fitness and Recreational Sports Centers | 32 | $8.1M | $253K | 4.8% |
| 541330 | Engineering Services | 24 | $5.1M | $213K | 3.6% |
| 722511 | Full-Service Restaurants | 24 | $25.4M | $1.1M | 3.6% |
| 238160 | Roofing Contractors | 24 | $4.7M | $198K | 3.6% |
| 458310 | Other | 16 | $1.3M | $80K | 2.4% |
| 334419 | Other Electronic Component Manufacturing | 16 | $4.9M | $306K | 2.4% |
| 237130 | Power and Communication Line and Related Structures Construction | 16 | $4.8M | $300K | 2.4% |
| 562991 | Septic Tank and Related Services | 16 | $16.0M | $1.0M | 2.4% |
| 312130 | Wineries | 16 | $6.3M | $393K | 2.4% |
Geographic Distribution
SBA lending activity for American Riviera Bank by state
| State | Loans | Volume | Share |
|---|---|---|---|
| California (CA) | 664 | $325.1M | 98.8% |
| New York (NY) | 8 | $2.4M | 1.2% |
Why Choose American Riviera Bank?
Based on SBA 7(a) lending track record from 2020-2025
- ✓Proven Track Record: 672 SBA loans approved, totaling $327.5M in financing
- ✓Industry Expertise: Specialized focus on Limited-Service Restaurants, Fitness and Recreational Sports Centers, Engineering Services
- ✓Competitive Terms: Average interest rate of 8.05% with flexible term lengths averaging 122 months
- ✓Loan Range: Loan sizes from $25K to $3.1M, with an average of $487K
- ✓Nationwide Reach: Active lending in 2 states, with strong presence in CA, NY
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 Riviera Bank SBA lending
What types of businesses does American Riviera Bank typically finance?
American Riviera Bank specializes in SBA 7(a) lending to specific industries including limited-service restaurants, fitness and recreational sports centers, engineering services, full-service restaurants. They have developed expertise in these sectors and understand the unique financial characteristics of each industry.
What are American Riviera Bank's typical SBA loan terms?
American Riviera Bank's SBA 7(a) loans typically feature an average interest rate of 8.05% and average term length of 122 months (approximately 10 years). Loan sizes range from $25K to $3.1M, with an average loan size of $487K.
Do I need a business valuation for a American Riviera Bank SBA loan?
Yes, American Riviera Bank 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 Riviera Bank compare to other SBA lenders?
American Riviera Bank has originated 672 SBA loans totaling $327.5M since 2020. 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 Riviera Bank lend in?
American Riviera Bank provides SBA 7(a) financing with particularly strong presence in CA, NY. 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?
Professional valuations are often required for SBA loans over $250,000.
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