Bank of Stockton
SBA 7(a) Lending Profile · All Time analysis
Industry Focus
Top industries served by Bank of Stockton · All Time
| NAICS | Industry | Loans | Volume | Avg Loan | Share |
|---|---|---|---|---|---|
| 812310 | Coin-Operated Laundries and Drycleaners | 3 | $313K | $104K | 7.1% |
| 621210 | Offices of Dentists | 3 | $588K | $196K | 7.1% |
| 713940 | Fitness and Recreational Sports Centers | 1 | $60K | $60K | 2.4% |
| 532111 | Passenger Car Rental | 1 | $100K | $100K | 2.4% |
| 713910 | Golf Courses and Country Clubs | 1 | $572K | $572K | 2.4% |
| 541430 | Graphic Design Services | 1 | $100K | $100K | 2.4% |
| 621310 | Offices of Chiropractors | 1 | $310K | $310K | 2.4% |
| 811111 | General Automotive Repair | 1 | $125K | $125K | 2.4% |
| 621320 | Offices of Optometrists | 1 | $138K | $138K | 2.4% |
Geographic Distribution
SBA lending activity for Bank of Stockton by state
| State | Loans | Volume | Share |
|---|---|---|---|
| California (CA) | 42 | $5.7M | 100.0% |
Why Choose Bank of Stockton?
Based on SBA 7(a) lending track record from 1991-2004
- ✓Proven Track Record: 42 SBA loans approved, totaling $5.7M in financing
- ✓Industry Expertise: Specialized focus on Coin-Operated Laundries and Drycleaners, Offices of Dentists, Fitness and Recreational Sports Centers
- ✓Competitive Terms: Average interest rate of — with flexible term lengths averaging 119 months
- ✓Loan Range: Loan sizes from $25K to $572K, with an average of $135K
- ✓Nationwide Reach: Active lending in 1 states, with strong presence in CA
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 Stockton SBA lending
What types of businesses does Bank of Stockton typically finance?
Bank of Stockton specializes in SBA 7(a) lending to specific industries including coin-operated laundries and drycleaners, offices of dentists, fitness and recreational sports centers, passenger car rental. They have developed expertise in these sectors and understand the unique financial characteristics of each industry.
What are Bank of Stockton's typical SBA loan terms?
Bank of Stockton's SBA 7(a) loans typically feature an average interest rate of — and average term length of 119 months (approximately 10 years). Loan sizes range from $25K to $572K, with an average loan size of $135K.
Do I need a business valuation for a Bank of Stockton SBA loan?
Yes, Bank of Stockton 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 Stockton compare to other SBA lenders?
Bank of Stockton has originated 42 SBA loans totaling $5.7M 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 Stockton lend in?
Bank of Stockton provides SBA 7(a) financing with particularly strong presence in CA. 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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