Central Valley Bank
SBA 7(a) Lending Profile · All Time analysis
Industry Focus
Top industries served by Central Valley Bank · All Time
| NAICS | Industry | Loans | Volume | Avg Loan | Share |
|---|---|---|---|---|---|
| 722410 | Drinking Places (Alcoholic Beverages) | 1 | $42K | $42K | 11.1% |
| 713940 | Fitness and Recreational Sports Centers | 1 | $120K | $120K | 11.1% |
| 561422 | Telemarketing Bureaus and Other Contact Centers | 1 | $150K | $150K | 11.1% |
Geographic Distribution
SBA lending activity for Central Valley Bank by state
| State | Loans | Volume | Share |
|---|---|---|---|
| Iowa (IA) | 9 | $891K | 100.0% |
Why Choose Central Valley Bank?
Based on SBA 7(a) lending track record from 1996-2005
- ✓Proven Track Record: 9 SBA loans approved, totaling $891K in financing
- ✓Industry Expertise: Specialized focus on Drinking Places (Alcoholic Beverages), Fitness and Recreational Sports Centers, Telemarketing Bureaus and Other Contact Centers
- ✓Competitive Terms: Average interest rate of — with flexible term lengths averaging 131 months
- ✓Loan Range: Loan sizes from $9K to $291K, with an average of $99K
- ✓Nationwide Reach: Active lending in 1 states, with strong presence in IA
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 Valley Bank SBA lending
What types of businesses does Central Valley Bank typically finance?
Central Valley Bank specializes in SBA 7(a) lending to specific industries including drinking places (alcoholic beverages), fitness and recreational sports centers, telemarketing bureaus and other contact centers. They have developed expertise in these sectors and understand the unique financial characteristics of each industry.
What are Central Valley Bank's typical SBA loan terms?
Central Valley Bank's SBA 7(a) loans typically feature an average interest rate of — and average term length of 131 months (approximately 11 years). Loan sizes range from $9K to $291K, with an average loan size of $99K.
Do I need a business valuation for a Central Valley Bank SBA loan?
Yes, Central 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 Central Valley Bank compare to other SBA lenders?
Central Valley Bank has originated 9 SBA loans totaling $891K since 1996. 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 Valley Bank lend in?
Central Valley Bank provides SBA 7(a) financing with particularly strong presence in IA. 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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