Flint Community Bank
SBA 7(a) Lending Profile · FY 2021 analysis
Industry Focus
Top industries served by Flint Community Bank
| NAICS | Industry | Loans | Volume | Avg Loan | Share |
|---|---|---|---|---|---|
| 444140 | Other | 8 | $8.0M | $995K | 14.3% |
| 453220 | Gift, Novelty, and Souvenir Stores | 8 | $280K | $35K | 14.3% |
| 541611 | Administrative Management and General Management Consulting Services | 8 | $4.4M | $549K | 14.3% |
| 812910 | Pet Care (except Veterinary) Services | 8 | $7.5M | $935K | 14.3% |
| 611699 | All Other Miscellaneous Schools and Instruction | 8 | $7.9M | $990K | 14.3% |
| 447110 | Gasoline Stations with Convenience Stores | 8 | $7.9M | $982K | 14.3% |
| 484110 | General Freight Trucking, Local | 8 | $6.9M | $862K | 14.3% |
Geographic Distribution
SBA lending activity for Flint Community Bank by state
| State | Loans | Volume | Share |
|---|---|---|---|
| Georgia (GA) | 56 | $42.8M | 100.0% |
Why Choose Flint Community Bank?
Based on SBA 7(a) lending track record from 2020-2025
- ✓Proven Track Record: 56 SBA loans approved, totaling $42.8M in financing
- ✓Industry Expertise: Specialized focus on Other, Gift, Novelty, and Souvenir Stores, Administrative Management and General Management Consulting Services
- ✓Competitive Terms: Average interest rate of 8.04% with flexible term lengths averaging 207 months
- ✓Loan Range: Loan sizes from $35K to $995K, with an average of $764K
- ✓Nationwide Reach: Active lending in 1 states, with strong presence in 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 Flint Community Bank SBA lending
What types of businesses does Flint Community Bank typically finance?
Flint Community Bank specializes in SBA 7(a) lending to specific industries including other, gift, novelty, and souvenir stores, administrative management and general management consulting services, pet care (except veterinary) services. They have developed expertise in these sectors and understand the unique financial characteristics of each industry.
What are Flint Community Bank's typical SBA loan terms?
Flint Community Bank's SBA 7(a) loans typically feature an average interest rate of 8.04% and average term length of 207 months (approximately 17 years). Loan sizes range from $35K to $995K, with an average loan size of $764K.
Do I need a business valuation for a Flint Community Bank SBA loan?
Yes, Flint Community 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 Flint Community Bank compare to other SBA lenders?
Flint Community Bank has originated 56 SBA loans totaling $42.8M 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 Flint Community Bank lend in?
Flint Community Bank provides SBA 7(a) financing with particularly strong presence in GA. 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.
Get your certified valuation from Fair Market Value.