EverTrust Bank
SBA 7(a) Lending Profile · FY 2026 analysis
Industry Focus
Top industries served by EverTrust Bank
| NAICS | Industry | Loans | Volume | Avg Loan | Share |
|---|---|---|---|---|---|
| 722511 | Full-Service Restaurants | 112 | $104.7M | $935K | 23.0% |
| 722513 | Limited-Service Restaurants | 40 | $17.6M | $441K | 8.2% |
| 445131 | Other | 32 | $19.7M | $614K | 6.6% |
| 722515 | Snack and Nonalcoholic Beverage Bars | 32 | $13.8M | $431K | 6.6% |
| 445110 | Supermarkets and Other Grocery (except Convenience) Stores | 16 | $9.0M | $565K | 3.3% |
| 458110 | Other | 16 | $15.2M | $950K | 3.3% |
| 459991 | Other | 16 | $9.4M | $585K | 3.3% |
| 621610 | Home Health Care Services | 16 | $31.7M | $2.0M | 3.3% |
| 611699 | All Other Miscellaneous Schools and Instruction | 16 | $20.3M | $1.3M | 3.3% |
| 456110 | Other | 8 | $3.0M | $380K | 1.6% |
Geographic Distribution
SBA lending activity for EverTrust Bank by state
| State | Loans | Volume | Share |
|---|---|---|---|
| California (CA) | 464 | $447.1M | 95.1% |
| Nevada (NV) | 24 | $19.0M | 4.9% |
Why Choose EverTrust Bank?
Based on SBA 7(a) lending track record from 2020-2025
- ✓Proven Track Record: 488 SBA loans approved, totaling $466.1M in financing
- ✓Industry Expertise: Specialized focus on Full-Service Restaurants, Limited-Service Restaurants, Other
- ✓Competitive Terms: Average interest rate of 8.23% with flexible term lengths averaging 188 months
- ✓Loan Range: Loan sizes from $150K to $3.9M, with an average of $955K
- ✓Nationwide Reach: Active lending in 2 states, with strong presence in CA, NV
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 EverTrust Bank SBA lending
What types of businesses does EverTrust Bank typically finance?
EverTrust Bank specializes in SBA 7(a) lending to specific industries including full-service restaurants, limited-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 EverTrust Bank's typical SBA loan terms?
EverTrust Bank's SBA 7(a) loans typically feature an average interest rate of 8.23% and average term length of 188 months (approximately 16 years). Loan sizes range from $150K to $3.9M, with an average loan size of $955K.
Do I need a business valuation for a EverTrust Bank SBA loan?
Yes, EverTrust 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 EverTrust Bank compare to other SBA lenders?
EverTrust Bank has originated 488 SBA loans totaling $466.1M 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 EverTrust Bank lend in?
EverTrust Bank provides SBA 7(a) financing with particularly strong presence in CA, NV. 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?
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