Civista Bank
SBA 7(a) Lending Profile · All Time analysis
Industry Focus
Top industries served by Civista Bank
| NAICS | Industry | Loans | Volume | Avg Loan | Share |
|---|---|---|---|---|---|
| 722513 | Limited-Service Restaurants | 32 | $16.2M | $506K | 17.4% |
| 337110 | Wood Kitchen Cabinet and Countertop Manufacturing | 16 | $2.9M | $182K | 8.7% |
| 722511 | Full-Service Restaurants | 16 | $7.6M | $478K | 8.7% |
| 238320 | Painting and Wall Covering Contractors | 16 | $4.0M | $251K | 8.7% |
| 722515 | Snack and Nonalcoholic Beverage Bars | 16 | $5.1M | $321K | 8.7% |
| 722410 | Drinking Places (Alcoholic Beverages) | 16 | $16.9M | $1.1M | 8.7% |
| 445240 | Other | 8 | $4.0M | $495K | 4.3% |
| 512230 | Music Publishers | 8 | $1.8M | $227K | 4.3% |
| 441330 | Other | 8 | $6.0M | $750K | 4.3% |
| 713910 | Golf Courses and Country Clubs | 8 | $2.3M | $289K | 4.3% |
Geographic Distribution
SBA lending activity for Civista Bank by state
| State | Loans | Volume | Share |
|---|---|---|---|
| Ohio (OH) | 152 | $91.6M | 82.6% |
| Indiana (IN) | 16 | $7.8M | 8.7% |
| Kentucky (KY) | 16 | $6.2M | 8.7% |
Why Choose Civista Bank?
Based on SBA 7(a) lending track record from 2020-2025
- ✓Proven Track Record: 184 SBA loans approved, totaling $105.6M in financing
- ✓Industry Expertise: Specialized focus on Limited-Service Restaurants, Wood Kitchen Cabinet and Countertop Manufacturing, Full-Service Restaurants
- ✓Competitive Terms: Average interest rate of 7.85% with flexible term lengths averaging 129 months
- ✓Loan Range: Loan sizes from $45K to $3.9M, with an average of $574K
- ✓Nationwide Reach: Active lending in 3 states, with strong presence in OH, KY, IN
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 Civista Bank SBA lending
What types of businesses does Civista Bank typically finance?
Civista Bank specializes in SBA 7(a) lending to specific industries including limited-service restaurants, wood kitchen cabinet and countertop manufacturing, full-service restaurants, painting and wall covering contractors. They have developed expertise in these sectors and understand the unique financial characteristics of each industry.
What are Civista Bank's typical SBA loan terms?
Civista Bank's SBA 7(a) loans typically feature an average interest rate of 7.85% and average term length of 129 months (approximately 11 years). Loan sizes range from $45K to $3.9M, with an average loan size of $574K.
Do I need a business valuation for a Civista Bank SBA loan?
Yes, Civista 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 Civista Bank compare to other SBA lenders?
Civista Bank has originated 184 SBA loans totaling $105.6M 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 Civista Bank lend in?
Civista Bank provides SBA 7(a) financing with particularly strong presence in OH, KY, IN. 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?
Professional valuations are often required for SBA loans over $250,000.
Get your certified valuation from Fair Market Value.