Isabella Bank
SBA 7(a) Lending Profile · All Time analysis
Industry Focus
Top industries served by Isabella Bank
| NAICS | Industry | Loans | Volume | Avg Loan | Share |
|---|---|---|---|---|---|
| 722513 | Limited-Service Restaurants | 40 | $16.1M | $404K | 21.7% |
| 238990 | All Other Specialty Trade Contractors | 24 | $4.4M | $185K | 13.0% |
| 541211 | Offices of Certified Public Accountants | 16 | $3.8M | $237K | 8.7% |
| 541219 | Other Accounting Services | 8 | $8.4M | $1.1M | 4.3% |
| 441222 | Boat Dealers | 8 | $5.6M | $697K | 4.3% |
| 722515 | Snack and Nonalcoholic Beverage Bars | 8 | $1.6M | $200K | 4.3% |
| 611519 | Other Technical and Trade Schools | 8 | $2.8M | $350K | 4.3% |
| 447110 | Gasoline Stations with Convenience Stores | 8 | $4.1M | $517K | 4.3% |
| 445131 | Other | 8 | $1.8M | $220K | 4.3% |
| 622310 | Specialty (except Psychiatric and Substance Abuse) Hospitals | 8 | $16.3M | $2.0M | 4.3% |
Geographic Distribution
SBA lending activity for Isabella Bank by state
| State | Loans | Volume | Share |
|---|---|---|---|
| Michigan (MI) | 184 | $93.4M | 100.0% |
Why Choose Isabella Bank?
Based on SBA 7(a) lending track record from 2020-2025
- ✓Proven Track Record: 184 SBA loans approved, totaling $93.4M in financing
- ✓Industry Expertise: Specialized focus on Limited-Service Restaurants, All Other Specialty Trade Contractors, Offices of Certified Public Accountants
- ✓Competitive Terms: Average interest rate of 6.41% with flexible term lengths averaging 137 months
- ✓Loan Range: Loan sizes from $82K to $2.0M, with an average of $507K
- ✓Nationwide Reach: Active lending in 1 states, with strong presence in MI
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 Isabella Bank SBA lending
What types of businesses does Isabella Bank typically finance?
Isabella Bank specializes in SBA 7(a) lending to specific industries including limited-service restaurants, all other specialty trade contractors, offices of certified public accountants, other accounting services. They have developed expertise in these sectors and understand the unique financial characteristics of each industry.
What are Isabella Bank's typical SBA loan terms?
Isabella Bank's SBA 7(a) loans typically feature an average interest rate of 6.41% and average term length of 137 months (approximately 11 years). Loan sizes range from $82K to $2.0M, with an average loan size of $507K.
Do I need a business valuation for a Isabella Bank SBA loan?
Yes, Isabella 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 Isabella Bank compare to other SBA lenders?
Isabella Bank has originated 184 SBA loans totaling $93.4M 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 Isabella Bank lend in?
Isabella Bank provides SBA 7(a) financing with particularly strong presence in MI. 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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