Incommons Bank NA
SBA 7(a) Lending Profile · All Time analysis
Industry Focus
Top industries served by Incommons Bank NA
| NAICS | Industry | Loans | Volume | Avg Loan | Share |
|---|---|---|---|---|---|
| 722511 | Full-Service Restaurants | 16 | $16.4M | $1.0M | 33.3% |
| 423990 | Other Miscellaneous Durable Goods Merchant Wholesalers | 16 | $20.6M | $1.3M | 33.3% |
| 722513 | Limited-Service Restaurants | 8 | $29.4M | $3.7M | 16.7% |
| 445298 | Other | 8 | $3.2M | $397K | 16.7% |
Geographic Distribution
SBA lending activity for Incommons Bank NA by state
| State | Loans | Volume | Share |
|---|---|---|---|
| Texas (TX) | 40 | $59.6M | 83.3% |
| West Virginia (WV) | 8 | $9.9M | 16.7% |
Why Choose Incommons Bank NA?
Based on SBA 7(a) lending track record from 2020-2025
- ✓Proven Track Record: 48 SBA loans approved, totaling $69.5M in financing
- ✓Industry Expertise: Specialized focus on Full-Service Restaurants, Other Miscellaneous Durable Goods Merchant Wholesalers, Limited-Service Restaurants
- ✓Competitive Terms: Average interest rate of 8.71% with flexible term lengths averaging 138 months
- ✓Loan Range: Loan sizes from $397K to $3.7M, with an average of $1.4M
- ✓Nationwide Reach: Active lending in 2 states, with strong presence in TX, WV
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 Incommons Bank NA SBA lending
What types of businesses does Incommons Bank NA typically finance?
Incommons Bank NA specializes in SBA 7(a) lending to specific industries including full-service restaurants, other miscellaneous durable goods merchant wholesalers, limited-service restaurants, other. They have developed expertise in these sectors and understand the unique financial characteristics of each industry.
What are Incommons Bank NA's typical SBA loan terms?
Incommons Bank NA's SBA 7(a) loans typically feature an average interest rate of 8.71% and average term length of 138 months (approximately 12 years). Loan sizes range from $397K to $3.7M, with an average loan size of $1.4M.
Do I need a business valuation for a Incommons Bank NA SBA loan?
Yes, Incommons Bank NA 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 Incommons Bank NA compare to other SBA lenders?
Incommons Bank NA has originated 48 SBA loans totaling $69.5M 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 Incommons Bank NA lend in?
Incommons Bank NA provides SBA 7(a) financing with particularly strong presence in TX, WV. 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.
Get your certified valuation from Fair Market Value.