CIBM Bank
SBA 7(a) Lending Profile · FY 2025 analysis
Industry Focus
Top industries served by CIBM Bank · FY 2025
| NAICS | Industry | Loans | Volume | Avg Loan | Share |
|---|---|---|---|---|---|
| 561740 | Carpet and Upholstery Cleaning Services | 1 | $150K | $150K | 11.1% |
| 722410 | Drinking Places (Alcoholic Beverages) | 1 | $100K | $100K | 11.1% |
| 311421 | Fruit and Vegetable Canning | 1 | $400K | $400K | 11.1% |
| 812112 | Beauty Salons | 1 | $1.1M | $1.1M | 11.1% |
| 459510 | Used Merchandise Retailers | 1 | $330K | $330K | 11.1% |
| 312120 | Breweries | 1 | $300K | $300K | 11.1% |
| 811111 | General Automotive Repair | 1 | $1.9M | $1.9M | 11.1% |
| 332710 | Machine Shops | 1 | $150K | $150K | 11.1% |
| 621610 | Home Health Care Services | 1 | $2.4M | $2.4M | 11.1% |
Geographic Distribution
SBA lending activity for CIBM Bank by state
| State | Loans | Volume | Share |
|---|---|---|---|
| Wisconsin (WI) | 5 | $3.5M | 55.6% |
| Illinois (IL) | 4 | $3.2M | 44.4% |
Why Choose CIBM Bank?
Based on SBA 7(a) lending track record in FY 2025
- ✓Proven Track Record: 9 SBA loans approved, totaling $6.8M in financing
- ✓Industry Expertise: Specialized focus on Carpet and Upholstery Cleaning Services, Drinking Places (Alcoholic Beverages), Fruit and Vegetable Canning
- ✓Competitive Terms: Average interest rate of 9.44% with flexible term lengths averaging 187 months
- ✓Loan Range: Loan sizes from $100K to $2.4M, with an average of $751K
- ✓Nationwide Reach: Active lending in 2 states, with strong presence in WI, 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 CIBM Bank SBA lending
What types of businesses does CIBM Bank typically finance?
CIBM Bank specializes in SBA 7(a) lending to specific industries including carpet and upholstery cleaning services, drinking places (alcoholic beverages), fruit and vegetable canning, beauty salons. They have developed expertise in these sectors and understand the unique financial characteristics of each industry.
What are CIBM Bank's typical SBA loan terms?
CIBM Bank's SBA 7(a) loans typically feature an average interest rate of 9.44% and average term length of 187 months (approximately 16 years). Loan sizes range from $100K to $2.4M, with an average loan size of $751K.
Do I need a business valuation for a CIBM Bank SBA loan?
Yes, CIBM 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 CIBM Bank compare to other SBA lenders?
CIBM Bank has originated 9 SBA loans totaling $6.8M in FY 2025. 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 CIBM Bank lend in?
CIBM Bank provides SBA 7(a) financing with particularly strong presence in WI, 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.
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