Ascent Bank
SBA 7(a) Lending Profile · FY 2025 analysis
Industry Focus
Top industries served by Ascent Bank
| NAICS | Industry | Loans | Volume | Avg Loan | Share |
|---|---|---|---|---|---|
| 524292 | Third Party Administration of Insurance and Pension Funds | 24 | $12.4M | $518K | 25.0% |
| 441227 | Other | 16 | $15.4M | $961K | 16.7% |
| 621111 | Offices of Physicians (except Mental Health Specialists) | 16 | $10.0M | $625K | 16.7% |
| 445310 | Beer, Wine, and Liquor Stores | 8 | $200K | $25K | 8.3% |
| 236118 | Residential Remodelers | 8 | $400K | $50K | 8.3% |
| 722410 | Drinking Places (Alcoholic Beverages) | 8 | $4.8M | $605K | 8.3% |
| 621610 | Home Health Care Services | 8 | $4.0M | $500K | 8.3% |
| 722513 | Limited-Service Restaurants | 8 | $6.3M | $785K | 8.3% |
Geographic Distribution
SBA lending activity for Ascent Bank by state
| State | Loans | Volume | Share |
|---|---|---|---|
| Montana (MT) | 96 | $53.5M | 100.0% |
Why Choose Ascent Bank?
Based on SBA 7(a) lending track record from 2020-2025
- ✓Proven Track Record: 96 SBA loans approved, totaling $53.5M in financing
- ✓Industry Expertise: Specialized focus on Third Party Administration of Insurance and Pension Funds, Other, Offices of Physicians (except Mental Health Specialists)
- ✓Competitive Terms: Average interest rate of 7.94% with flexible term lengths averaging 97 months
- ✓Loan Range: Loan sizes from $25K to $1.8M, with an average of $558K
- ✓Nationwide Reach: Active lending in 1 states, with strong presence in MT
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 Ascent Bank SBA lending
What types of businesses does Ascent Bank typically finance?
Ascent Bank specializes in SBA 7(a) lending to specific industries including third party administration of insurance and pension funds, other, offices of physicians (except mental health specialists), beer, wine, and liquor stores. They have developed expertise in these sectors and understand the unique financial characteristics of each industry.
What are Ascent Bank's typical SBA loan terms?
Ascent Bank's SBA 7(a) loans typically feature an average interest rate of 7.94% and average term length of 97 months (approximately 8 years). Loan sizes range from $25K to $1.8M, with an average loan size of $558K.
Do I need a business valuation for a Ascent Bank SBA loan?
Yes, Ascent 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 Ascent Bank compare to other SBA lenders?
Ascent Bank has originated 96 SBA loans totaling $53.5M 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 Ascent Bank lend in?
Ascent Bank provides SBA 7(a) financing with particularly strong presence in MT. 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.
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