Commercial State Bank
SBA 7(a) Lending Profile · All Time analysis
Industry Focus
Top industries served by Commercial State Bank · All Time
| NAICS | Industry | Loans | Volume | Avg Loan | Share |
|---|---|---|---|---|---|
| 423990 | Other Miscellaneous Durable Goods Merchant Wholesalers | 2 | $1.6M | $805K | 10.0% |
| 333132 | Oil and Gas Field Machinery and Equipment Manufacturing | 2 | $1.1M | $525K | 10.0% |
| 333517 | Machine Tool Manufacturing | 1 | $500K | $500K | 5.0% |
| 562119 | Other Waste Collection | 1 | $150K | $150K | 5.0% |
| 332312 | Fabricated Structural Metal Manufacturing | 1 | $581K | $581K | 5.0% |
| 238220 | Plumbing, Heating, and Air-Conditioning Contractors | 1 | $250K | $250K | 5.0% |
| 561720 | Janitorial Services | 1 | $241K | $241K | 5.0% |
| 238140 | Masonry Contractors | 1 | $270K | $270K | 5.0% |
| 335312 | Motor and Generator Manufacturing | 1 | $425K | $425K | 5.0% |
| 114112 | Shellfish Fishing | 1 | $900K | $900K | 5.0% |
Geographic Distribution
SBA lending activity for Commercial State Bank by state
| State | Loans | Volume | Share |
|---|---|---|---|
| Texas (TX) | 9 | $4.0M | 45.0% |
| Nebraska (NE) | 11 | $3.4M | 55.0% |
Why Choose Commercial State Bank?
Based on SBA 7(a) lending track record from 1992-2021
- ✓Proven Track Record: 20 SBA loans approved, totaling $7.4M in financing
- ✓Industry Expertise: Specialized focus on Other Miscellaneous Durable Goods Merchant Wholesalers, Oil and Gas Field Machinery and Equipment Manufacturing, Machine Tool Manufacturing
- ✓Competitive Terms: Average interest rate of 6.65% with flexible term lengths averaging 103 months
- ✓Loan Range: Loan sizes from $50K to $1.4M, with an average of $372K
- ✓Nationwide Reach: Active lending in 2 states, with strong presence in NE, TX
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 Commercial State Bank SBA lending
What types of businesses does Commercial State Bank typically finance?
Commercial State Bank specializes in SBA 7(a) lending to specific industries including other miscellaneous durable goods merchant wholesalers, oil and gas field machinery and equipment manufacturing, machine tool manufacturing, other waste collection. They have developed expertise in these sectors and understand the unique financial characteristics of each industry.
What are Commercial State Bank's typical SBA loan terms?
Commercial State Bank's SBA 7(a) loans typically feature an average interest rate of 6.65% and average term length of 103 months (approximately 9 years). Loan sizes range from $50K to $1.4M, with an average loan size of $372K.
Do I need a business valuation for a Commercial State Bank SBA loan?
Yes, Commercial State 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 Commercial State Bank compare to other SBA lenders?
Commercial State Bank has originated 20 SBA loans totaling $7.4M since 1992. 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 Commercial State Bank lend in?
Commercial State Bank provides SBA 7(a) financing with particularly strong presence in NE, TX. 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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