Central Bank & Trust
SBA 7(a) Lending Profile · All Time analysis
Industry Focus
Top industries served by Central Bank & Trust · All Time
| NAICS | Industry | Loans | Volume | Avg Loan | Share |
|---|---|---|---|---|---|
| 112111 | Beef Cattle Ranching and Farming | 4 | $269K | $67K | 20.0% |
| 213112 | Support Activities for Oil and Gas Operations | 3 | $659K | $220K | 15.0% |
| 722511 | Full-Service Restaurants | 2 | $1.2M | $585K | 10.0% |
| 522390 | Other Activities Related to Credit Intermediation | 1 | $75K | $75K | 5.0% |
| 812310 | Coin-Operated Laundries and Drycleaners | 1 | $100K | $100K | 5.0% |
| 424910 | Farm Supplies Merchant Wholesalers | 1 | $200K | $200K | 5.0% |
| 541191 | Title Abstract and Settlement Offices | 1 | $393K | $393K | 5.0% |
| 484110 | General Freight Trucking, Local | 1 | $115K | $115K | 5.0% |
Geographic Distribution
SBA lending activity for Central Bank & Trust by state
| State | Loans | Volume | Share |
|---|---|---|---|
| Wyoming (WY) | 20 | $3.5M | 100.0% |
Why Choose Central Bank & Trust?
Based on SBA 7(a) lending track record from 1991-2014
- ✓Proven Track Record: 20 SBA loans approved, totaling $3.5M in financing
- ✓Industry Expertise: Specialized focus on Beef Cattle Ranching and Farming, Support Activities for Oil and Gas Operations, Full-Service Restaurants
- ✓Competitive Terms: Average interest rate of 5.88% with flexible term lengths averaging 97 months
- ✓Loan Range: Loan sizes from $27K to $616K, with an average of $176K
- ✓Nationwide Reach: Active lending in 1 states, with strong presence in WY
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 Central Bank & Trust SBA lending
What types of businesses does Central Bank & Trust typically finance?
Central Bank & Trust specializes in SBA 7(a) lending to specific industries including beef cattle ranching and farming, support activities for oil and gas operations, full-service restaurants, other activities related to credit intermediation. They have developed expertise in these sectors and understand the unique financial characteristics of each industry.
What are Central Bank & Trust's typical SBA loan terms?
Central Bank & Trust's SBA 7(a) loans typically feature an average interest rate of 5.88% and average term length of 97 months (approximately 8 years). Loan sizes range from $27K to $616K, with an average loan size of $176K.
Do I need a business valuation for a Central Bank & Trust SBA loan?
Yes, Central Bank & 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 Central Bank & Trust compare to other SBA lenders?
Central Bank & Trust has originated 20 SBA loans totaling $3.5M 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 Central Bank & Trust lend in?
Central Bank & Trust provides SBA 7(a) financing with particularly strong presence in WY. 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?
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