ESB Financial
SBA 7(a) Lending Profile · All Time analysis
Industry Focus
Top industries served by ESB Financial · All Time
| NAICS | Industry | Loans | Volume | Avg Loan | Share |
|---|---|---|---|---|---|
| 722410 | Drinking Places (Alcoholic Beverages) | 3 | $237K | $79K | 8.8% |
| 621310 | Offices of Chiropractors | 2 | $307K | $154K | 5.9% |
| 238110 | Poured Concrete Foundation and Structure Contractors | 1 | $25K | $25K | 2.9% |
| 238220 | Plumbing, Heating, and Air-Conditioning Contractors | 1 | $45K | $45K | 2.9% |
| 312130 | Wineries | 1 | $148K | $148K | 2.9% |
| 711510 | Independent Artists, Writers, and Performers | 1 | $57K | $57K | 2.9% |
| 484110 | General Freight Trucking, Local | 1 | $37K | $37K | 2.9% |
| 323113 | Commercial Screen Printing | 1 | $73K | $73K | 2.9% |
| 524128 | Other Direct Insurance (except Life, Health, and Medical) Carriers | 1 | $64K | $64K | 2.9% |
| 812922 | One-Hour Photofinishing | 1 | $20K | $20K | 2.9% |
Geographic Distribution
SBA lending activity for ESB Financial by state
| State | Loans | Volume | Share |
|---|---|---|---|
| Kansas (KS) | 34 | $5.0M | 100.0% |
Why Choose ESB Financial?
Based on SBA 7(a) lending track record from 1992-2018
- ✓Proven Track Record: 34 SBA loans approved, totaling $5.0M in financing
- ✓Industry Expertise: Specialized focus on Drinking Places (Alcoholic Beverages), Offices of Chiropractors, Poured Concrete Foundation and Structure Contractors
- ✓Competitive Terms: Average interest rate of 6.05% with flexible term lengths averaging 79 months
- ✓Loan Range: Loan sizes from $9K to $1.6M, with an average of $147K
- ✓Nationwide Reach: Active lending in 1 states, with strong presence in KS
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 Financial SBA lending
What types of businesses does ESB Financial typically finance?
ESB Financial specializes in SBA 7(a) lending to specific industries including drinking places (alcoholic beverages), offices of chiropractors, poured concrete foundation and structure contractors, plumbing, heating, and air-conditioning contractors. They have developed expertise in these sectors and understand the unique financial characteristics of each industry.
What are ESB Financial's typical SBA loan terms?
ESB Financial's SBA 7(a) loans typically feature an average interest rate of 6.05% and average term length of 79 months (approximately 7 years). Loan sizes range from $9K to $1.6M, with an average loan size of $147K.
Do I need a business valuation for a ESB Financial SBA loan?
Yes, ESB Financial 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 Financial compare to other SBA lenders?
ESB Financial has originated 34 SBA loans totaling $5.0M since 1992. 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 Financial lend in?
ESB Financial provides SBA 7(a) financing with particularly strong presence in KS. 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.
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