CBI Bank and Trust
SBA 7(a) Lending Profile · FY 2021 analysis
Industry Focus
Top industries served by CBI Bank and Trust
| NAICS | Industry | Loans | Volume | Avg Loan | Share |
|---|---|---|---|---|---|
| 722511 | Full-Service Restaurants | 16 | $1.8M | $110K | 14.3% |
| 621340 | Offices of Physical, Occupational and Speech Therapists, and Audiologi | 16 | $11.3M | $708K | 14.3% |
| 561622 | Locksmiths | 8 | $1.2M | $144K | 7.1% |
| 812910 | Pet Care (except Veterinary) Services | 8 | $200K | $25K | 7.1% |
| 621310 | Offices of Chiropractors | 8 | $3.2M | $405K | 7.1% |
| 621399 | Offices of All Other Miscellaneous Health Practitioners | 8 | $1.1M | $135K | 7.1% |
| 513210 | Cable Networks | 8 | $800K | $100K | 7.1% |
| 531390 | Other Activities Related to Real Estate | 8 | $12.2M | $1.5M | 7.1% |
| 561520 | Tour Operators | 8 | $18.9M | $2.4M | 7.1% |
| 458210 | Other | 8 | $2.2M | $270K | 7.1% |
Geographic Distribution
SBA lending activity for CBI Bank and Trust by state
| State | Loans | Volume | Share |
|---|---|---|---|
| Iowa (IA) | 80 | $65.4M | 71.4% |
| Illinois (IL) | 32 | $13.7M | 28.6% |
Why Choose CBI Bank and Trust?
Based on SBA 7(a) lending track record from 2020-2025
- ✓Proven Track Record: 112 SBA loans approved, totaling $79.1M in financing
- ✓Industry Expertise: Specialized focus on Full-Service Restaurants, Offices of Physical, Occupational and Speech Therapists, and Audiologi, Locksmiths
- ✓Competitive Terms: Average interest rate of 7.50% with flexible term lengths averaging 124 months
- ✓Loan Range: Loan sizes from $25K to $2.9M, with an average of $706K
- ✓Nationwide Reach: Active lending in 2 states, with strong presence in IA, IL
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 CBI Bank and Trust SBA lending
What types of businesses does CBI Bank and Trust typically finance?
CBI Bank and Trust specializes in SBA 7(a) lending to specific industries including full-service restaurants, offices of physical, occupational and speech therapists, and audiologi, locksmiths, pet care (except veterinary) services. They have developed expertise in these sectors and understand the unique financial characteristics of each industry.
What are CBI Bank and Trust's typical SBA loan terms?
CBI Bank and Trust's SBA 7(a) loans typically feature an average interest rate of 7.50% and average term length of 124 months (approximately 10 years). Loan sizes range from $25K to $2.9M, with an average loan size of $706K.
Do I need a business valuation for a CBI Bank and Trust SBA loan?
Yes, CBI Bank and Trust 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 CBI Bank and Trust compare to other SBA lenders?
CBI Bank and Trust has originated 112 SBA loans totaling $79.1M 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 CBI Bank and Trust lend in?
CBI Bank and Trust provides SBA 7(a) financing with particularly strong presence in IA, IL. 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.
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