Four States Bank, Inc.
SBA 7(a) Lending Profile · All Time analysis
Industry Focus
Top industries served by Four States Bank, Inc.
| NAICS | Industry | Loans | Volume | Avg Loan | Share |
|---|---|---|---|---|---|
| 722511 | Full-Service Restaurants | 32 | $15.0M | $470K | 14.3% |
| 523940 | Other | 24 | $16.9M | $704K | 10.7% |
| 238140 | Masonry Contractors | 24 | $12.6M | $523K | 10.7% |
| 337121 | Upholstered Household Furniture Manufacturing | 16 | $7.9M | $495K | 7.1% |
| 541213 | Tax Preparation Services | 16 | $2.0M | $128K | 7.1% |
| 441330 | Other | 8 | $2.9M | $360K | 3.6% |
| 238910 | Site Preparation Contractors | 8 | $4.4M | $550K | 3.6% |
| 811122 | Automotive Glass Replacement Shops | 8 | $1.0M | $125K | 3.6% |
| 458110 | Other | 8 | $635K | $79K | 3.6% |
| 713990 | All Other Amusement and Recreation Industries | 8 | $2.8M | $350K | 3.6% |
Geographic Distribution
SBA lending activity for Four States Bank, Inc. by state
| State | Loans | Volume | Share |
|---|---|---|---|
| Missouri (MO) | 224 | $101.1M | 100.0% |
Why Choose Four States Bank, Inc.?
Based on SBA 7(a) lending track record from 2020-2025
- ✓Proven Track Record: 224 SBA loans approved, totaling $101.1M in financing
- ✓Industry Expertise: Specialized focus on Full-Service Restaurants, Other, Masonry Contractors
- ✓Competitive Terms: Average interest rate of 10.29% with flexible term lengths averaging 156 months
- ✓Loan Range: Loan sizes from $70K to $1.6M, with an average of $451K
- ✓Nationwide Reach: Active lending in 1 states, with strong presence in MO
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 Four States Bank, Inc. SBA lending
What types of businesses does Four States Bank, Inc. typically finance?
Four States Bank, Inc. specializes in SBA 7(a) lending to specific industries including full-service restaurants, other, masonry contractors, upholstered household furniture manufacturing. They have developed expertise in these sectors and understand the unique financial characteristics of each industry.
What are Four States Bank, Inc.'s typical SBA loan terms?
Four States Bank, Inc.'s SBA 7(a) loans typically feature an average interest rate of 10.29% and average term length of 156 months (approximately 13 years). Loan sizes range from $70K to $1.6M, with an average loan size of $451K.
Do I need a business valuation for a Four States Bank, Inc. SBA loan?
Yes, Four States Bank, Inc. 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 Four States Bank, Inc. compare to other SBA lenders?
Four States Bank, Inc. has originated 224 SBA loans totaling $101.1M 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 Four States Bank, Inc. lend in?
Four States Bank, Inc. provides SBA 7(a) financing with particularly strong presence in MO. Based on their lending history, they have experience with diverse state-specific business regulations and licensing requirements.
Research Your Target Industry Before Applying
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