Community Bank of Santa Maria
SBA 7(a) Lending Profile · All Time analysis
Industry Focus
Top industries served by Community Bank of Santa Maria
| NAICS | Industry | Loans | Volume | Avg Loan | Share |
|---|---|---|---|---|---|
| 524210 | Insurance Agencies and Brokerages | 16 | $6.4M | $403K | 66.7% |
| 713940 | Fitness and Recreational Sports Centers | 8 | $3.6M | $454K | 33.3% |
Geographic Distribution
SBA lending activity for Community Bank of Santa Maria by state
| State | Loans | Volume | Share |
|---|---|---|---|
| California (CA) | 24 | $10.1M | 100.0% |
Why Choose Community Bank of Santa Maria?
Based on SBA 7(a) lending track record from 2020-2025
- ✓Proven Track Record: 24 SBA loans approved, totaling $10.1M in financing
- ✓Industry Expertise: Specialized focus on Insurance Agencies and Brokerages, Fitness and Recreational Sports Centers
- ✓Competitive Terms: Average interest rate of 9.67% with flexible term lengths averaging 123 months
- ✓Loan Range: Loan sizes from $234K to $572K, with an average of $420K
- ✓Nationwide Reach: Active lending in 1 states, with strong presence in CA
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 Community Bank of Santa Maria SBA lending
What types of businesses does Community Bank of Santa Maria typically finance?
Community Bank of Santa Maria specializes in SBA 7(a) lending to specific industries including insurance agencies and brokerages, fitness and recreational sports centers. They have developed expertise in these sectors and understand the unique financial characteristics of each industry.
What are Community Bank of Santa Maria's typical SBA loan terms?
Community Bank of Santa Maria's SBA 7(a) loans typically feature an average interest rate of 9.67% and average term length of 123 months (approximately 10 years). Loan sizes range from $234K to $572K, with an average loan size of $420K.
Do I need a business valuation for a Community Bank of Santa Maria SBA loan?
Yes, Community Bank of Santa Maria 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 Community Bank of Santa Maria compare to other SBA lenders?
Community Bank of Santa Maria has originated 24 SBA loans totaling $10.1M 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 Community Bank of Santa Maria lend in?
Community Bank of Santa Maria provides SBA 7(a) financing with particularly strong presence in CA. 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.
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