Germantown Trust & Savings Bank
SBA 7(a) Lending Profile · All Time analysis
Industry Focus
Top industries served by Germantown Trust & Savings Bank · All Time
| NAICS | Industry | Loans | Volume | Avg Loan | Share |
|---|---|---|---|---|---|
| 445110 | Supermarkets and Other Grocery Retailers (except Convenience Retailers) | 2 | $900K | $450K | 50.0% |
Geographic Distribution
SBA lending activity for Germantown Trust & Savings Bank by state
| State | Loans | Volume | Share |
|---|---|---|---|
| Illinois (IL) | 3 | $1.0M | 75.0% |
| Missouri (MO) | 1 | $100K | 25.0% |
Why Choose Germantown Trust & Savings Bank?
Based on SBA 7(a) lending track record from 1995-2015
- ✓Proven Track Record: 4 SBA loans approved, totaling $1.1M in financing
- ✓Industry Expertise: Specialized focus on Supermarkets and Other Grocery Retailers (except Convenience Retailers)
- ✓Competitive Terms: Average interest rate of 4.38% with flexible term lengths averaging 80 months
- ✓Loan Range: Loan sizes from $100K to $558K, with an average of $275K
- ✓Nationwide Reach: Active lending in 2 states, with strong presence in IL, 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 Germantown Trust & Savings Bank SBA lending
What types of businesses does Germantown Trust & Savings Bank typically finance?
Germantown Trust & Savings Bank specializes in SBA 7(a) lending to specific industries including supermarkets and other grocery retailers (except convenience retailers). They have developed expertise in these sectors and understand the unique financial characteristics of each industry.
What are Germantown Trust & Savings Bank's typical SBA loan terms?
Germantown Trust & Savings Bank's SBA 7(a) loans typically feature an average interest rate of 4.38% and average term length of 80 months (approximately 7 years). Loan sizes range from $100K to $558K, with an average loan size of $275K.
Do I need a business valuation for a Germantown Trust & Savings Bank SBA loan?
Yes, Germantown Trust & Savings 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 Germantown Trust & Savings Bank compare to other SBA lenders?
Germantown Trust & Savings Bank has originated 4 SBA loans totaling $1.1M since 1995. 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 Germantown Trust & Savings Bank lend in?
Germantown Trust & Savings Bank provides SBA 7(a) financing with particularly strong presence in IL, MO. 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?
Certified valuations are often required for SBA loans over $250,000.
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