German American Bank
SBA 7(a) Lending Profile · FY 2023 analysis
Industry Focus
Top industries served by German American Bank
| NAICS | Industry | Loans | Volume | Avg Loan | Share |
|---|---|---|---|---|---|
| 722511 | Full-Service Restaurants | 152 | $62.5M | $411K | 7.8% |
| 722513 | Limited-Service Restaurants | 128 | $42.6M | $333K | 6.6% |
| 621210 | Offices of Dentists | 72 | $13.7M | $190K | 3.7% |
| 722410 | Drinking Places (Alcoholic Beverages) | 56 | $30.4M | $542K | 2.9% |
| 524210 | Insurance Agencies and Brokerages | 56 | $15.1M | $269K | 2.9% |
| 621310 | Offices of Chiropractors | 48 | $6.0M | $125K | 2.5% |
| 312120 | Breweries | 40 | $25.1M | $627K | 2.0% |
| 811111 | General Automotive Repair | 40 | $13.6M | $341K | 2.0% |
| 621111 | Offices of Physicians (except Mental Health Specialists) | 40 | $4.4M | $109K | 2.0% |
| 236118 | Residential Remodelers | 32 | $1.3M | $41K | 1.6% |
Geographic Distribution
SBA lending activity for German American Bank by state
| State | Loans | Volume | Share |
|---|---|---|---|
| Ohio (OH) | 952 | $304.5M | 48.8% |
| Indiana (IN) | 808 | $259.9M | 41.4% |
| Kentucky (KY) | 192 | $108.5M | 9.8% |
Why Choose German American Bank?
Based on SBA 7(a) lending track record from 2020-2025
- ✓Proven Track Record: 1,952 SBA loans approved, totaling $672.9M in financing
- ✓Industry Expertise: Specialized focus on Full-Service Restaurants, Limited-Service Restaurants, Offices of Dentists
- ✓Competitive Terms: Average interest rate of 6.23% with flexible term lengths averaging 125 months
- ✓Loan Range: Loan sizes from $10K to $3.5M, with an average of $345K
- ✓Nationwide Reach: Active lending in 3 states, with strong presence in OH, IN, KY
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 German American Bank SBA lending
What types of businesses does German American Bank typically finance?
German American Bank specializes in SBA 7(a) lending to specific industries including full-service restaurants, limited-service restaurants, offices of dentists, drinking places (alcoholic beverages). They have developed expertise in these sectors and understand the unique financial characteristics of each industry.
What are German American Bank's typical SBA loan terms?
German American Bank's SBA 7(a) loans typically feature an average interest rate of 6.23% and average term length of 125 months (approximately 10 years). Loan sizes range from $10K to $3.5M, with an average loan size of $345K.
Do I need a business valuation for a German American Bank SBA loan?
Yes, German American 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 German American Bank compare to other SBA lenders?
German American Bank has originated 1,952 SBA loans totaling $672.9M 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 German American Bank lend in?
German American Bank provides SBA 7(a) financing with particularly strong presence in OH, IN, KY. 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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