Cross Keys Bank
SBA 7(a) Lending Profile · All Time analysis
Industry Focus
Top industries served by Cross Keys Bank
| NAICS | Industry | Loans | Volume | Avg Loan | Share |
|---|---|---|---|---|---|
| 237130 | Power and Communication Line and Related Structures Construction | 32 | $2.8M | $88K | 11.4% |
| 238990 | All Other Specialty Trade Contractors | 24 | $2.6M | $110K | 8.6% |
| 236115 | New Single-Family Housing Construction (except Operative Builders) | 24 | $624K | $26K | 8.6% |
| 561730 | Landscaping Services | 24 | $840K | $35K | 8.6% |
| 423990 | Other Miscellaneous Durable Goods Merchant Wholesalers | 16 | $800K | $50K | 5.7% |
| 424990 | Other Miscellaneous Nondurable Goods Merchant Wholesalers | 16 | $800K | $50K | 5.7% |
| 541410 | Interior Design Services | 16 | $800K | $50K | 5.7% |
| 524210 | Insurance Agencies and Brokerages | 8 | $2.0M | $245K | 2.9% |
| 551112 | Offices of Other Holding Companies | 8 | $2.0M | $246K | 2.9% |
| 238210 | Electrical Contractors | 8 | $1.2M | $150K | 2.9% |
Geographic Distribution
SBA lending activity for Cross Keys Bank by state
| State | Loans | Volume | Share |
|---|---|---|---|
| Louisiana (LA) | 256 | $20.5M | 91.4% |
| Texas (TX) | 24 | $3.6M | 8.6% |
Why Choose Cross Keys Bank?
Based on SBA 7(a) lending track record from 2020-2025
- ✓Proven Track Record: 280 SBA loans approved, totaling $24.1M in financing
- ✓Industry Expertise: Specialized focus on Power and Communication Line and Related Structures Construction, All Other Specialty Trade Contractors, New Single-Family Housing Construction (except Operative Builders)
- ✓Competitive Terms: Average interest rate of 8.75% with flexible term lengths averaging 63 months
- ✓Loan Range: Loan sizes from $15K to $490K, with an average of $86K
- ✓Nationwide Reach: Active lending in 2 states, with strong presence in LA, 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 Cross Keys Bank SBA lending
What types of businesses does Cross Keys Bank typically finance?
Cross Keys Bank specializes in SBA 7(a) lending to specific industries including power and communication line and related structures construction, all other specialty trade contractors, new single-family housing construction (except operative builders), landscaping services. They have developed expertise in these sectors and understand the unique financial characteristics of each industry.
What are Cross Keys Bank's typical SBA loan terms?
Cross Keys Bank's SBA 7(a) loans typically feature an average interest rate of 8.75% and average term length of 63 months (approximately 5 years). Loan sizes range from $15K to $490K, with an average loan size of $86K.
Do I need a business valuation for a Cross Keys Bank SBA loan?
Yes, Cross Keys 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 Cross Keys Bank compare to other SBA lenders?
Cross Keys Bank has originated 280 SBA loans totaling $24.1M 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 Cross Keys Bank lend in?
Cross Keys Bank provides SBA 7(a) financing with particularly strong presence in LA, 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.
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Professional valuations are often required for SBA loans over $250,000.
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