Bank of Cadiz and Trust Company
SBA 7(a) Lending Profile · All Time analysis
Industry Focus
Top industries served by Bank of Cadiz and Trust Company · All Time
| NAICS | Industry | Loans | Volume | Avg Loan | Share |
|---|---|---|---|---|---|
| 713930 | Marinas | 2 | $877K | $439K | 11.1% |
| 541110 | Offices of Lawyers | 1 | $348K | $348K | 5.6% |
| 541940 | Veterinary Services | 1 | $25K | $25K | 5.6% |
| 624410 | Child Care Services | 1 | $32K | $32K | 5.6% |
| 811111 | General Automotive Repair | 1 | $29K | $29K | 5.6% |
| 321113 | Sawmills | 1 | $350K | $350K | 5.6% |
| 311812 | Commercial Bakeries | 1 | $36K | $36K | 5.6% |
Geographic Distribution
SBA lending activity for Bank of Cadiz and Trust Company by state
| State | Loans | Volume | Share |
|---|---|---|---|
| Kentucky (KY) | 18 | $2.5M | 100.0% |
Why Choose Bank of Cadiz and Trust Company?
Based on SBA 7(a) lending track record from 1991-2012
- ✓Proven Track Record: 18 SBA loans approved, totaling $2.5M in financing
- ✓Industry Expertise: Specialized focus on Marinas, Offices of Lawyers, Veterinary Services
- ✓Competitive Terms: Average interest rate of 5.75% with flexible term lengths averaging 114 months
- ✓Loan Range: Loan sizes from $25K to $761K, with an average of $137K
- ✓Nationwide Reach: Active lending in 1 states, with strong presence in KY
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 Bank of Cadiz and Trust Company SBA lending
What types of businesses does Bank of Cadiz and Trust Company typically finance?
Bank of Cadiz and Trust Company specializes in SBA 7(a) lending to specific industries including marinas, offices of lawyers, veterinary services, child care services. They have developed expertise in these sectors and understand the unique financial characteristics of each industry.
What are Bank of Cadiz and Trust Company's typical SBA loan terms?
Bank of Cadiz and Trust Company's SBA 7(a) loans typically feature an average interest rate of 5.75% and average term length of 114 months (approximately 10 years). Loan sizes range from $25K to $761K, with an average loan size of $137K.
Do I need a business valuation for a Bank of Cadiz and Trust Company SBA loan?
Yes, Bank of Cadiz and Trust Company 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 Bank of Cadiz and Trust Company compare to other SBA lenders?
Bank of Cadiz and Trust Company has originated 18 SBA loans totaling $2.5M since 1991. 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 Bank of Cadiz and Trust Company lend in?
Bank of Cadiz and Trust Company provides SBA 7(a) financing with particularly strong presence in KY. 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.
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