Gainey Business Bank
SBA 7(a) Lending Profile · All Time analysis
Industry Focus
Top industries served by Gainey Business Bank
| NAICS | Industry | Loans | Volume | Avg Loan | Share |
|---|---|---|---|---|---|
| 238210 | Electrical Contractors | 8 | $10.3M | $1.3M | 16.7% |
| 621399 | Offices of All Other Miscellaneous Health Practitioners | 8 | $4.0M | $505K | 16.7% |
| 238220 | Plumbing, Heating, and Air-Conditioning Contractors | 8 | $40.0M | $5.0M | 16.7% |
| 721211 | RV (Recreational Vehicle) Parks and Campgrounds | 8 | $36.7M | $4.6M | 16.7% |
| 713990 | All Other Amusement and Recreation Industries | 8 | $28.0M | $3.5M | 16.7% |
| 721110 | Hotels (except Casino Hotels) and Motels | 8 | $6.9M | $860K | 16.7% |
Geographic Distribution
SBA lending activity for Gainey Business Bank by state
| State | Loans | Volume | Share |
|---|---|---|---|
| Arizona (AZ) | 40 | $89.2M | 83.3% |
| California (CA) | 8 | $36.7M | 16.7% |
Why Choose Gainey Business Bank?
Based on SBA 7(a) lending track record from 2020-2025
- ✓Proven Track Record: 48 SBA loans approved, totaling $125.9M in financing
- ✓Industry Expertise: Specialized focus on Electrical Contractors, Offices of All Other Miscellaneous Health Practitioners, Plumbing, Heating, and Air-Conditioning Contractors
- ✓Competitive Terms: Average interest rate of 9.88% with flexible term lengths averaging 177 months
- ✓Loan Range: Loan sizes from $505K to $5.0M, with an average of $2.6M
- ✓Nationwide Reach: Active lending in 2 states, with strong presence in AZ, CA
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 Gainey Business Bank SBA lending
What types of businesses does Gainey Business Bank typically finance?
Gainey Business Bank specializes in SBA 7(a) lending to specific industries including electrical contractors, offices of all other miscellaneous health practitioners, plumbing, heating, and air-conditioning contractors, rv (recreational vehicle) parks and campgrounds. They have developed expertise in these sectors and understand the unique financial characteristics of each industry.
What are Gainey Business Bank's typical SBA loan terms?
Gainey Business Bank's SBA 7(a) loans typically feature an average interest rate of 9.88% and average term length of 177 months (approximately 15 years). Loan sizes range from $505K to $5.0M, with an average loan size of $2.6M.
Do I need a business valuation for a Gainey Business Bank SBA loan?
Yes, Gainey Business 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 Gainey Business Bank compare to other SBA lenders?
Gainey Business Bank has originated 48 SBA loans totaling $125.9M 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 Gainey Business Bank lend in?
Gainey Business Bank provides SBA 7(a) financing with particularly strong presence in AZ, CA. 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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