CS Bank
SBA 7(a) Lending Profile · FY 2023 analysis
Industry Focus
Top industries served by CS Bank
| NAICS | Industry | Loans | Volume | Avg Loan | Share |
|---|---|---|---|---|---|
| 423820 | Farm and Garden Machinery and Equipment Merchant Wholesalers | 16 | $10.6M | $663K | 14.3% |
| 624410 | Child Day Care Services | 16 | $6.2M | $388K | 14.3% |
| 812199 | Other Personal Care Services | 8 | $1.5M | $182K | 7.1% |
| 323113 | Commercial Screen Printing | 8 | $584K | $73K | 7.1% |
| 423310 | Lumber, Plywood, Millwork, and Wood Panel Merchant Wholesalers | 8 | $3.2M | $400K | 7.1% |
| 424410 | General Line Grocery Merchant Wholesalers | 8 | $800K | $100K | 7.1% |
| 238910 | Site Preparation Contractors | 8 | $1.9M | $239K | 7.1% |
| 721211 | RV (Recreational Vehicle) Parks and Campgrounds | 8 | $2.8M | $350K | 7.1% |
| 115310 | Support Activities for Forestry | 8 | $2.8M | $344K | 7.1% |
| 722511 | Full-Service Restaurants | 8 | $2.8M | $350K | 7.1% |
Geographic Distribution
SBA lending activity for CS Bank by state
| State | Loans | Volume | Share |
|---|---|---|---|
| Arkansas (AR) | 112 | $39.1M | 100.0% |
Why Choose CS Bank?
Based on SBA 7(a) lending track record from 2020-2025
- ✓Proven Track Record: 112 SBA loans approved, totaling $39.1M in financing
- ✓Industry Expertise: Specialized focus on Farm and Garden Machinery and Equipment Merchant Wholesalers, Child Day Care Services, Other Personal Care Services
- ✓Competitive Terms: Average interest rate of 7.39% with flexible term lengths averaging 125 months
- ✓Loan Range: Loan sizes from $73K to $1.1M, with an average of $349K
- ✓Nationwide Reach: Active lending in 1 states, with strong presence in AR
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 CS Bank SBA lending
What types of businesses does CS Bank typically finance?
CS Bank specializes in SBA 7(a) lending to specific industries including farm and garden machinery and equipment merchant wholesalers, child day care services, other personal care services, commercial screen printing. They have developed expertise in these sectors and understand the unique financial characteristics of each industry.
What are CS Bank's typical SBA loan terms?
CS Bank's SBA 7(a) loans typically feature an average interest rate of 7.39% and average term length of 125 months (approximately 10 years). Loan sizes range from $73K to $1.1M, with an average loan size of $349K.
Do I need a business valuation for a CS Bank SBA loan?
Yes, CS 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 CS Bank compare to other SBA lenders?
CS Bank has originated 112 SBA loans totaling $39.1M 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 CS Bank lend in?
CS Bank provides SBA 7(a) financing with particularly strong presence in AR. 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.
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Professional valuations are often required for SBA loans over $250,000.
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