First NaturalState Bank
SBA 7(a) Lending Profile · All Time analysis
Industry Focus
Top industries served by First NaturalState Bank · All Time
| NAICS | Industry | Loans | Volume | Avg Loan | Share |
|---|---|---|---|---|---|
| 624410 | Child Care Services | 1 | $36K | $36K | 11.1% |
| 115112 | Soil Preparation, Planting, and Cultivating | 1 | $91K | $91K | 11.1% |
| 314999 | All Other Miscellaneous Textile Product Mills | 1 | $28K | $28K | 11.1% |
| 321113 | Sawmills | 1 | $55K | $55K | 11.1% |
Geographic Distribution
SBA lending activity for First NaturalState Bank by state
| State | Loans | Volume | Share |
|---|---|---|---|
| Arkansas (AR) | 9 | $677K | 100.0% |
Why Choose First NaturalState Bank?
Based on SBA 7(a) lending track record from 1992-2008
- ✓Proven Track Record: 9 SBA loans approved, totaling $677K in financing
- ✓Industry Expertise: Specialized focus on Child Care Services, Soil Preparation, Planting, and Cultivating, All Other Miscellaneous Textile Product Mills
- ✓Competitive Terms: Average interest rate of — with flexible term lengths averaging 116 months
- ✓Loan Range: Loan sizes from $28K to $268K, with an average of $75K
- ✓Nationwide Reach: Active lending in 1 states, with strong presence in AR
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 First NaturalState Bank SBA lending
What types of businesses does First NaturalState Bank typically finance?
First NaturalState Bank specializes in SBA 7(a) lending to specific industries including child care services, soil preparation, planting, and cultivating, all other miscellaneous textile product mills, sawmills. They have developed expertise in these sectors and understand the unique financial characteristics of each industry.
What are First NaturalState Bank's typical SBA loan terms?
First NaturalState Bank's SBA 7(a) loans typically feature an average interest rate of — and average term length of 116 months (approximately 10 years). Loan sizes range from $28K to $268K, with an average loan size of $75K.
Do I need a business valuation for a First NaturalState Bank SBA loan?
Yes, First NaturalState 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 First NaturalState Bank compare to other SBA lenders?
First NaturalState Bank has originated 9 SBA loans totaling $677K 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 First NaturalState Bank lend in?
First NaturalState Bank provides SBA 7(a) financing with particularly strong presence in AR. 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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