Horizon Bank SSB
SBA 7(a) Lending Profile · All Time analysis
Industry Focus
Top industries served by Horizon Bank SSB
| NAICS | Industry | Loans | Volume | Avg Loan | Share |
|---|---|---|---|---|---|
| 621310 | Offices of Chiropractors | 40 | $7.4M | $185K | 13.5% |
| 445110 | Supermarkets and Other Grocery (except Convenience) Stores | 24 | $12.2M | $508K | 8.1% |
| 621399 | Offices of All Other Miscellaneous Health Practitioners | 16 | $19.6M | $1.2M | 5.4% |
| 621210 | Offices of Dentists | 16 | $6.7M | $420K | 5.4% |
| 812990 | All Other Personal Services | 16 | $4.4M | $277K | 5.4% |
| 455219 | Other | 16 | $43.5M | $2.7M | 5.4% |
| 562111 | Solid Waste Collection | 16 | $18.0M | $1.1M | 5.4% |
| 454210 | Vending Machine Operators | 8 | $14.4M | $1.8M | 2.7% |
| 339999 | All Other Miscellaneous Manufacturing | 8 | $1.6M | $196K | 2.7% |
| 446191 | Food (Health) Supplement Stores | 8 | $2.7M | $336K | 2.7% |
Geographic Distribution
SBA lending activity for Horizon Bank SSB by state
| State | Loans | Volume | Share |
|---|---|---|---|
| Texas (TX) | 288 | $204.4M | 97.3% |
| Louisiana (LA) | 8 | $10.1M | 2.7% |
Why Choose Horizon Bank SSB?
Based on SBA 7(a) lending track record from 2020-2025
- ✓Proven Track Record: 296 SBA loans approved, totaling $214.5M in financing
- ✓Industry Expertise: Specialized focus on Offices of Chiropractors, Supermarkets and Other Grocery (except Convenience) Stores, Offices of All Other Miscellaneous Health Practitioners
- ✓Competitive Terms: Average interest rate of 6.76% with flexible term lengths averaging 102 months
- ✓Loan Range: Loan sizes from $108K to $2.7M, with an average of $725K
- ✓Nationwide Reach: Active lending in 2 states, with strong presence in TX, LA
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 Horizon Bank SSB SBA lending
What types of businesses does Horizon Bank SSB typically finance?
Horizon Bank SSB specializes in SBA 7(a) lending to specific industries including offices of chiropractors, supermarkets and other grocery (except convenience) stores, offices of all other miscellaneous health practitioners, offices of dentists. They have developed expertise in these sectors and understand the unique financial characteristics of each industry.
What are Horizon Bank SSB's typical SBA loan terms?
Horizon Bank SSB's SBA 7(a) loans typically feature an average interest rate of 6.76% and average term length of 102 months (approximately 9 years). Loan sizes range from $108K to $2.7M, with an average loan size of $725K.
Do I need a business valuation for a Horizon Bank SSB SBA loan?
Yes, Horizon Bank SSB 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 Horizon Bank SSB compare to other SBA lenders?
Horizon Bank SSB has originated 296 SBA loans totaling $214.5M 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 Horizon Bank SSB lend in?
Horizon Bank SSB provides SBA 7(a) financing with particularly strong presence in TX, LA. 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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Professional valuations are often required for SBA loans over $250,000.
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