ESB Bank
SBA 7(a) Lending Profile · All Time analysis
Industry Focus
Top industries served by ESB Bank · All Time
| NAICS | Industry | Loans | Volume | Avg Loan | Share |
|---|---|---|---|---|---|
| 541191 | Title Abstract and Settlement Offices | 2 | $229K | $114K | 8.7% |
| 624410 | Child Care Services | 1 | $290K | $290K | 4.3% |
| 561730 | Landscaping Services | 1 | $65K | $65K | 4.3% |
| 113310 | Logging | 1 | $1.2M | $1.2M | 4.3% |
| 621310 | Offices of Chiropractors | 1 | $40K | $40K | 4.3% |
| 512110 | Motion Picture and Video Production | 1 | $15K | $15K | 4.3% |
| 621210 | Offices of Dentists | 1 | $92K | $92K | 4.3% |
Geographic Distribution
SBA lending activity for ESB Bank by state
| State | Loans | Volume | Share |
|---|---|---|---|
| Wisconsin (WI) | 19 | $2.4M | 82.6% |
| Iowa (IA) | 1 | $1.2M | 4.3% |
| Minnesota (MN) | 3 | $745K | 13.0% |
Why Choose ESB Bank?
Based on SBA 7(a) lending track record from 1991-2011
- ✓Proven Track Record: 23 SBA loans approved, totaling $4.4M in financing
- ✓Industry Expertise: Specialized focus on Title Abstract and Settlement Offices, Child Care Services, Landscaping Services
- ✓Competitive Terms: Average interest rate of 6.00% with flexible term lengths averaging 132 months
- ✓Loan Range: Loan sizes from $15K to $1.2M, with an average of $190K
- ✓Nationwide Reach: Active lending in 3 states, with strong presence in WI, MN, IA
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 ESB Bank SBA lending
What types of businesses does ESB Bank typically finance?
ESB Bank specializes in SBA 7(a) lending to specific industries including title abstract and settlement offices, child care services, landscaping services, logging. They have developed expertise in these sectors and understand the unique financial characteristics of each industry.
What are ESB Bank's typical SBA loan terms?
ESB Bank's SBA 7(a) loans typically feature an average interest rate of 6.00% and average term length of 132 months (approximately 11 years). Loan sizes range from $15K to $1.2M, with an average loan size of $190K.
Do I need a business valuation for a ESB Bank SBA loan?
Yes, ESB 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 ESB Bank compare to other SBA lenders?
ESB Bank has originated 23 SBA loans totaling $4.4M since 1991. 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 ESB Bank lend in?
ESB Bank provides SBA 7(a) financing with particularly strong presence in WI, MN, IA. 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?
Certified valuations are often required for SBA loans over $250,000.
Get your certified valuation from Fair Market Value.