Community Bank & Trust-West Georgia
SBA 7(a) Lending Profile · FY 2021 analysis
Industry Focus
Top industries served by Community Bank & Trust-West Georgia
| NAICS | Industry | Loans | Volume | Avg Loan | Share |
|---|---|---|---|---|---|
| 713940 | Fitness and Recreational Sports Centers | 104 | $94.3M | $907K | 4.2% |
| 722511 | Full-Service Restaurants | 88 | $98.6M | $1.1M | 3.6% |
| 812199 | Other Personal Care Services | 64 | $42.9M | $670K | 2.6% |
| 713990 | All Other Amusement and Recreation Industries | 56 | $176.0M | $3.1M | 2.3% |
| 812910 | Pet Care (except Veterinary) Services | 40 | $36.4M | $911K | 1.6% |
| 722513 | Limited-Service Restaurants | 40 | $45.3M | $1.1M | 1.6% |
| 624120 | Services for the Elderly and Persons with Disabilities | 40 | $32.9M | $822K | 1.6% |
| 811111 | General Automotive Repair | 40 | $32.1M | $804K | 1.6% |
| 621610 | Home Health Care Services | 40 | $27.9M | $699K | 1.6% |
| 561730 | Landscaping Services | 40 | $43.4M | $1.1M | 1.6% |
Geographic Distribution
SBA lending activity for Community Bank & Trust-West Georgia by state
| State | Loans | Volume | Share |
|---|---|---|---|
| Florida (FL) | 320 | $552.1M | 13.0% |
| California (CA) | 248 | $502.7M | 10.1% |
| New York (NY) | 192 | $253.5M | 7.8% |
| Illinois (IL) | 104 | $189.3M | 4.2% |
| Georgia (GA) | 88 | $161.9M | 3.6% |
| Tennessee (TN) | 80 | $143.7M | 3.2% |
| New Jersey (NJ) | 96 | $136.3M | 3.9% |
| Texas (TX) | 144 | $130.5M | 5.8% |
| Colorado (CO) | 120 | $126.9M | 4.9% |
| Pennsylvania (PA) | 72 | $110.1M | 2.9% |
| Nevada (NV) | 104 | $103.7M | 4.2% |
| Massachusetts (MA) | 112 | $98.3M | 4.5% |
| Oregon (OR) | 64 | $88.6M | 2.6% |
| Virginia (VA) | 24 | $82.9M | 1.0% |
| Washington (WA) | 56 | $80.4M | 2.3% |
| Louisiana (LA) | 24 | $71.6M | 1.0% |
| VI (VI) | 24 | $70.9M | 1.0% |
| Utah (UT) | 40 | $68.8M | 1.6% |
| Connecticut (CT) | 48 | $66.3M | 1.9% |
| Alabama (AL) | 64 | $65.1M | 2.6% |
| South Carolina (SC) | 56 | $64.4M | 2.3% |
| Maryland (MD) | 40 | $58.9M | 1.6% |
| Missouri (MO) | 32 | $51.8M | 1.3% |
| North Carolina (NC) | 32 | $50.6M | 1.3% |
| Arizona (AZ) | 32 | $45.6M | 1.3% |
| Wyoming (WY) | 24 | $45.6M | 1.0% |
| Alaska (AK) | 24 | $44.0M | 1.0% |
| Montana (MT) | 8 | $39.5M | 0.3% |
| West Virginia (WV) | 8 | $38.6M | 0.3% |
| Wisconsin (WI) | 24 | $30.6M | 1.0% |
| Rhode Island (RI) | 8 | $27.7M | 0.3% |
| Michigan (MI) | 32 | $25.7M | 1.3% |
| Iowa (IA) | 8 | $25.4M | 0.3% |
| Ohio (OH) | 40 | $22.5M | 1.6% |
| Mississippi (MS) | 16 | $20.7M | 0.6% |
| Arkansas (AR) | 24 | $20.1M | 1.0% |
| South Dakota (SD) | 8 | $13.9M | 0.3% |
| Oklahoma (OK) | 8 | $12.2M | 0.3% |
| Nebraska (NE) | 8 | $5.1M | 0.3% |
| Hawaii (HI) | 8 | $4.1M | 0.3% |
Why Choose Community Bank & Trust-West Georgia?
Based on SBA 7(a) lending track record from 2020-2025
- ✓Proven Track Record: 2,464 SBA loans approved, totaling $3.75B in financing
- ✓Industry Expertise: Specialized focus on Fitness and Recreational Sports Centers, Full-Service Restaurants, Other Personal Care Services
- ✓Competitive Terms: Average interest rate of 8.75% with flexible term lengths averaging 164 months
- ✓Loan Range: Loan sizes from $100K to $5.0M, with an average of $1.5M
- ✓Nationwide Reach: Active lending in 40 states, with strong presence in FL, CA, NY
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 & Trust-West Georgia SBA lending
What types of businesses does Community Bank & Trust-West Georgia typically finance?
Community Bank & Trust-West Georgia specializes in SBA 7(a) lending to specific industries including fitness and recreational sports centers, full-service restaurants, other personal care services, all other amusement and recreation industries. They have developed expertise in these sectors and understand the unique financial characteristics of each industry.
What are Community Bank & Trust-West Georgia's typical SBA loan terms?
Community Bank & Trust-West Georgia's SBA 7(a) loans typically feature an average interest rate of 8.75% and average term length of 164 months (approximately 14 years). Loan sizes range from $100K to $5.0M, with an average loan size of $1.5M.
Do I need a business valuation for a Community Bank & Trust-West Georgia SBA loan?
Yes, Community Bank & Trust-West Georgia 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 & Trust-West Georgia compare to other SBA lenders?
Community Bank & Trust-West Georgia has originated 2,464 SBA loans totaling $3.75B 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 & Trust-West Georgia lend in?
Community Bank & Trust-West Georgia provides SBA 7(a) financing with particularly strong presence in FL, CA, NY, TX, CO. Based on their lending history, they have experience with diverse state-specific business regulations and licensing requirements.
Research Your Target Industry Before Applying
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