Farmers and Merchants Bank of Central California
SBA 7(a) Lending Profile · All Time analysis
Industry Focus
Top industries served by Farmers and Merchants Bank of Central California · All Time
| NAICS | Industry | Loans | Volume | Avg Loan | Share |
|---|---|---|---|---|---|
| 561431 | Private Mail Centers | 6 | $842K | $140K | 2.7% |
| 722511 | Full-Service Restaurants | 3 | $815K | $272K | 1.4% |
| 621111 | Offices of Physicians (except Mental Health Specialists) | 3 | $553K | $184K | 1.4% |
| 621310 | Offices of Chiropractors | 3 | $194K | $65K | 1.4% |
| 115210 | Support Activities for Animal Production | 3 | $1.7M | $556K | 1.4% |
| 811192 | Car Washes | 2 | $1.7M | $859K | 0.9% |
| 488991 | Packing and Crating | 2 | $133K | $66K | 0.9% |
| 115113 | Crop Harvesting, Primarily by Machine | 2 | $203K | $102K | 0.9% |
| 812990 | All Other Personal Services | 2 | $107K | $53K | 0.9% |
| 115114 | Postharvest Crop Activities (except Cotton Ginning) | 2 | $1.3M | $660K | 0.9% |
Geographic Distribution
SBA lending activity for Farmers and Merchants Bank of Central California by state
| State | Loans | Volume | Share |
|---|---|---|---|
| California (CA) | 220 | $51.6M | 99.1% |
| Nevada (NV) | 2 | $245K | 0.9% |
Why Choose Farmers and Merchants Bank of Central California?
Based on SBA 7(a) lending track record from 1991-2017
- ✓Proven Track Record: 222 SBA loans approved, totaling $51.8M in financing
- ✓Industry Expertise: Specialized focus on Private Mail Centers, Full-Service Restaurants, Offices of Physicians (except Mental Health Specialists)
- ✓Competitive Terms: Average interest rate of 5.72% with flexible term lengths averaging 114 months
- ✓Loan Range: Loan sizes from $20K to $1.8M, with an average of $233K
- ✓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 Farmers and Merchants Bank of Central California SBA lending
What types of businesses does Farmers and Merchants Bank of Central California typically finance?
Farmers and Merchants Bank of Central California specializes in SBA 7(a) lending to specific industries including private mail centers, full-service restaurants, offices of physicians (except mental health specialists), offices of chiropractors. They have developed expertise in these sectors and understand the unique financial characteristics of each industry.
What are Farmers and Merchants Bank of Central California's typical SBA loan terms?
Farmers and Merchants Bank of Central California's SBA 7(a) loans typically feature an average interest rate of 5.72% and average term length of 114 months (approximately 10 years). Loan sizes range from $20K to $1.8M, with an average loan size of $233K.
Do I need a business valuation for a Farmers and Merchants Bank of Central California SBA loan?
Yes, Farmers and Merchants Bank of Central California 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 Farmers and Merchants Bank of Central California compare to other SBA lenders?
Farmers and Merchants Bank of Central California has originated 222 SBA loans totaling $51.8M 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 Farmers and Merchants Bank of Central California lend in?
Farmers and Merchants Bank of Central California 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.
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