Community Financial Services Bank
SBA 7(a) Lending Profile · All Time analysis
Industry Focus
Top industries served by Community Financial Services Bank
| NAICS | Industry | Loans | Volume | Avg Loan | Share |
|---|---|---|---|---|---|
| 812199 | Other Personal Care Services | 16 | $3.0M | $190K | 28.6% |
| 722511 | Full-Service Restaurants | 8 | $3.1M | $393K | 14.3% |
| 458310 | Other | 8 | $5.7M | $716K | 14.3% |
| 722515 | Snack and Nonalcoholic Beverage Bars | 8 | $11.9M | $1.5M | 14.3% |
| 811192 | Car Washes | 8 | $2.9M | $365K | 14.3% |
| 541410 | Interior Design Services | 8 | $1.8M | $220K | 14.3% |
Geographic Distribution
SBA lending activity for Community Financial Services Bank by state
| State | Loans | Volume | Share |
|---|---|---|---|
| Kentucky (KY) | 48 | $16.6M | 85.7% |
| Tennessee (TN) | 8 | $11.9M | 14.3% |
Why Choose Community Financial Services Bank?
Based on SBA 7(a) lending track record from 2020-2025
- ✓Proven Track Record: 56 SBA loans approved, totaling $28.5M in financing
- ✓Industry Expertise: Specialized focus on Other Personal Care Services, Full-Service Restaurants, Other
- ✓Competitive Terms: Average interest rate of 10.46% with flexible term lengths averaging 154 months
- ✓Loan Range: Loan sizes from $100K to $1.5M, with an average of $509K
- ✓Nationwide Reach: Active lending in 2 states, with strong presence in KY, TN
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 Financial Services Bank SBA lending
What types of businesses does Community Financial Services Bank typically finance?
Community Financial Services Bank specializes in SBA 7(a) lending to specific industries including other personal care services, full-service restaurants, other, snack and nonalcoholic beverage bars. They have developed expertise in these sectors and understand the unique financial characteristics of each industry.
What are Community Financial Services Bank's typical SBA loan terms?
Community Financial Services Bank's SBA 7(a) loans typically feature an average interest rate of 10.46% and average term length of 154 months (approximately 13 years). Loan sizes range from $100K to $1.5M, with an average loan size of $509K.
Do I need a business valuation for a Community Financial Services Bank SBA loan?
Yes, Community Financial Services 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 Community Financial Services Bank compare to other SBA lenders?
Community Financial Services Bank has originated 56 SBA loans totaling $28.5M 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 Financial Services Bank lend in?
Community Financial Services Bank provides SBA 7(a) financing with particularly strong presence in KY, TN. 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.