Exchange Bank
SBA 7(a) Lending Profile · FY 2022 analysis
Industry Focus
Top industries served by Exchange Bank
| NAICS | Industry | Loans | Volume | Avg Loan | Share |
|---|---|---|---|---|---|
| 722511 | Full-Service Restaurants | 136 | $112.0M | $823K | 17.2% |
| 722513 | Limited-Service Restaurants | 56 | $45.3M | $808K | 7.1% |
| 541380 | Testing Laboratories | 48 | $36.0M | $750K | 6.1% |
| 238990 | All Other Specialty Trade Contractors | 40 | $11.1M | $278K | 5.1% |
| 457110 | Other | 32 | $75.7M | $2.4M | 4.0% |
| 621610 | Home Health Care Services | 24 | $18.9M | $786K | 3.0% |
| 445310 | Beer, Wine, and Liquor Stores | 24 | $13.1M | $545K | 3.0% |
| 484110 | General Freight Trucking, Local | 24 | $13.2M | $550K | 3.0% |
| 445292 | Confectionery and Nut Stores | 24 | $9.0M | $376K | 3.0% |
| 312120 | Breweries | 16 | $4.0M | $250K | 2.0% |
Geographic Distribution
SBA lending activity for Exchange Bank by state
| State | Loans | Volume | Share |
|---|---|---|---|
| California (CA) | 672 | $467.9M | 84.8% |
| Georgia (GA) | 32 | $47.6M | 4.0% |
| Nebraska (NE) | 80 | $41.5M | 10.1% |
| Texas (TX) | 8 | $6.9M | 1.0% |
Why Choose Exchange Bank?
Based on SBA 7(a) lending track record from 2020-2025
- ✓Proven Track Record: 792 SBA loans approved, totaling $563.9M in financing
- ✓Industry Expertise: Specialized focus on Full-Service Restaurants, Limited-Service Restaurants, Testing Laboratories
- ✓Competitive Terms: Average interest rate of 7.29% with flexible term lengths averaging 158 months
- ✓Loan Range: Loan sizes from $17K to $3.9M, with an average of $712K
- ✓Nationwide Reach: Active lending in 4 states, with strong presence in CA, NE, GA
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 Exchange Bank SBA lending
What types of businesses does Exchange Bank typically finance?
Exchange Bank specializes in SBA 7(a) lending to specific industries including full-service restaurants, limited-service restaurants, testing laboratories, all other specialty trade contractors. They have developed expertise in these sectors and understand the unique financial characteristics of each industry.
What are Exchange Bank's typical SBA loan terms?
Exchange Bank's SBA 7(a) loans typically feature an average interest rate of 7.29% and average term length of 158 months (approximately 13 years). Loan sizes range from $17K to $3.9M, with an average loan size of $712K.
Do I need a business valuation for a Exchange Bank SBA loan?
Yes, Exchange 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 Exchange Bank compare to other SBA lenders?
Exchange Bank has originated 792 SBA loans totaling $563.9M 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 Exchange Bank lend in?
Exchange Bank provides SBA 7(a) financing with particularly strong presence in CA, NE, GA, 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.
Explore Industry Reports →Need a Business Valuation?
Professional valuations are often required for SBA loans over $250,000.
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