Liberty Bank and Trust Company
SBA 7(a) Lending Profile · All Time analysis
Industry Focus
Top industries served by Liberty Bank and Trust Company · All Time
| NAICS | Industry | Loans | Volume | Avg Loan | Share |
|---|---|---|---|---|---|
| 624410 | Child Care Services | 23 | $2.3M | $99K | 8.5% |
| 561730 | Landscaping Services | 8 | $414K | $52K | 3.0% |
| 621210 | Offices of Dentists | 4 | $295K | $74K | 1.5% |
| 621610 | Home Health Care Services | 4 | $1.5M | $373K | 1.5% |
| 811111 | General Automotive Repair | 4 | $636K | $159K | 1.5% |
| 541219 | Other Accounting Services | 3 | $224K | $75K | 1.1% |
| 541211 | Offices of Certified Public Accountants | 3 | $724K | $241K | 1.1% |
| 812112 | Beauty Salons | 3 | $345K | $115K | 1.1% |
| 812310 | Coin-Operated Laundries and Drycleaners | 3 | $808K | $269K | 1.1% |
| 238110 | Poured Concrete Foundation and Structure Contractors | 3 | $1.1M | $375K | 1.1% |
Geographic Distribution
SBA lending activity for Liberty Bank and Trust Company by state
| State | Loans | Volume | Share |
|---|---|---|---|
| Kentucky (KY) | 119 | $10.3M | 43.9% |
| Louisiana (LA) | 53 | $9.9M | 19.6% |
| Alabama (AL) | 24 | $9.0M | 8.9% |
| Illinois (IL) | 37 | $8.9M | 13.7% |
| Tennessee (TN) | 15 | $2.3M | 5.5% |
| Texas (TX) | 5 | $1.0M | 1.8% |
| Mississippi (MS) | 10 | $822K | 3.7% |
| Indiana (IN) | 4 | $731K | 1.5% |
| Missouri (MO) | 1 | $132K | 0.4% |
| Kansas (KS) | 1 | $122K | 0.4% |
| Colorado (CO) | 1 | $65K | 0.4% |
| Delaware (DE) | 1 | $38K | 0.4% |
Why Choose Liberty Bank and Trust Company?
Based on SBA 7(a) lending track record from 1992-2025
- ✓Proven Track Record: 271 SBA loans approved, totaling $43.4M in financing
- ✓Industry Expertise: Specialized focus on Child Care Services, Landscaping Services, Offices of Dentists
- ✓Competitive Terms: Average interest rate of 8.28% with flexible term lengths averaging 97 months
- ✓Loan Range: Loan sizes from $8K to $1.6M, with an average of $160K
- ✓Nationwide Reach: Active lending in 12 states, with strong presence in KY, LA, IL
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 Liberty Bank and Trust Company SBA lending
What types of businesses does Liberty Bank and Trust Company typically finance?
Liberty Bank and Trust Company specializes in SBA 7(a) lending to specific industries including child care services, landscaping services, offices of dentists, home health care services. They have developed expertise in these sectors and understand the unique financial characteristics of each industry.
What are Liberty Bank and Trust Company's typical SBA loan terms?
Liberty Bank and Trust Company's SBA 7(a) loans typically feature an average interest rate of 8.28% and average term length of 97 months (approximately 8 years). Loan sizes range from $8K to $1.6M, with an average loan size of $160K.
Do I need a business valuation for a Liberty Bank and Trust Company SBA loan?
Yes, Liberty Bank and Trust Company 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 Liberty Bank and Trust Company compare to other SBA lenders?
Liberty Bank and Trust Company has originated 271 SBA loans totaling $43.4M since 1992. 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 Liberty Bank and Trust Company lend in?
Liberty Bank and Trust Company provides SBA 7(a) financing with particularly strong presence in KY, LA, IL, AL, TN. 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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