Cache Valley Bank
SBA 7(a) Lending Profile · All Time analysis
Industry Focus
Top industries served by Cache Valley Bank · All Time
| NAICS | Industry | Loans | Volume | Avg Loan | Share |
|---|---|---|---|---|---|
| 621210 | Offices of Dentists | 24 | $12.0M | $502K | 3.4% |
| 722513 | Limited-Service Restaurants | 21 | $5.2M | $246K | 3.0% |
| 721110 | Hotels (except Casino Hotels) and Motels | 15 | $22.6M | $1.5M | 2.1% |
| 561730 | Landscaping Services | 14 | $4.1M | $291K | 2.0% |
| 238990 | All Other Specialty Trade Contractors | 12 | $4.3M | $361K | 1.7% |
| 236220 | Commercial and Institutional Building Construction | 11 | $2.5M | $227K | 1.6% |
| 722511 | Full-Service Restaurants | 11 | $3.5M | $318K | 1.6% |
| 621310 | Offices of Chiropractors | 11 | $1.5M | $138K | 1.6% |
| 311811 | Retail Bakeries | 9 | $3.3M | $364K | 1.3% |
| 621111 | Offices of Physicians (except Mental Health Specialists) | 9 | $2.0M | $223K | 1.3% |
Geographic Distribution
SBA lending activity for Cache Valley Bank by state
| State | Loans | Volume | Share |
|---|---|---|---|
| Utah (UT) | 572 | $191.8M | 81.9% |
| Wyoming (WY) | 8 | $9.6M | 1.1% |
| Idaho (ID) | 24 | $9.3M | 3.4% |
| California (CA) | 10 | $8.6M | 1.4% |
| Colorado (CO) | 10 | $7.2M | 1.4% |
| Washington (WA) | 7 | $6.5M | 1.0% |
| Michigan (MI) | 1 | $5.0M | 0.1% |
| Maryland (MD) | 6 | $3.7M | 0.9% |
| Arizona (AZ) | 7 | $3.5M | 1.0% |
| Texas (TX) | 7 | $3.5M | 1.0% |
| Montana (MT) | 1 | $3.5M | 0.1% |
| Ohio (OH) | 3 | $3.4M | 0.4% |
| Nevada (NV) | 13 | $3.2M | 1.9% |
| Delaware (DE) | 2 | $2.5M | 0.3% |
| Illinois (IL) | 3 | $1.1M | 0.4% |
| Alabama (AL) | 3 | $995K | 0.4% |
| Oklahoma (OK) | 3 | $950K | 0.4% |
| South Dakota (SD) | 2 | $880K | 0.3% |
| Georgia (GA) | 4 | $790K | 0.6% |
| Tennessee (TN) | 2 | $689K | 0.3% |
| Mississippi (MS) | 1 | $451K | 0.1% |
| New Mexico (NM) | 1 | $400K | 0.1% |
| New York (NY) | 2 | $335K | 0.3% |
| New Jersey (NJ) | 1 | $300K | 0.1% |
| Florida (FL) | 1 | $289K | 0.1% |
| Iowa (IA) | 1 | $250K | 0.1% |
| Oregon (OR) | 1 | $250K | 0.1% |
| North Carolina (NC) | 1 | $225K | 0.1% |
| Wisconsin (WI) | 1 | $100K | 0.1% |
Why Choose Cache Valley Bank?
Based on SBA 7(a) lending track record from 1991-2025
- ✓Proven Track Record: 698 SBA loans approved, totaling $269.2M in financing
- ✓Industry Expertise: Specialized focus on Offices of Dentists, Limited-Service Restaurants, Hotels (except Casino Hotels) and Motels
- ✓Competitive Terms: Average interest rate of 6.52% with flexible term lengths averaging 123 months
- ✓Loan Range: Loan sizes from $7K to $5.0M, with an average of $386K
- ✓Nationwide Reach: Active lending in 29 states, with strong presence in UT, ID, NV
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 Cache Valley Bank SBA lending
What types of businesses does Cache Valley Bank typically finance?
Cache Valley Bank specializes in SBA 7(a) lending to specific industries including offices of dentists, limited-service restaurants, hotels (except casino hotels) and motels, landscaping services. They have developed expertise in these sectors and understand the unique financial characteristics of each industry.
What are Cache Valley Bank's typical SBA loan terms?
Cache Valley Bank's SBA 7(a) loans typically feature an average interest rate of 6.52% and average term length of 123 months (approximately 10 years). Loan sizes range from $7K to $5.0M, with an average loan size of $386K.
Do I need a business valuation for a Cache Valley Bank SBA loan?
Yes, Cache Valley 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 Cache Valley Bank compare to other SBA lenders?
Cache Valley Bank has originated 698 SBA loans totaling $269.2M 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 Cache Valley Bank lend in?
Cache Valley Bank provides SBA 7(a) financing with particularly strong presence in UT, ID, NV, CA, CO. 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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