Loyal Trust Bank
SBA 7(a) Lending Profile · All Time analysis
Industry Focus
Top industries served by Loyal Trust Bank
| NAICS | Industry | Loans | Volume | Avg Loan | Share |
|---|---|---|---|---|---|
| 722513 | Limited-Service Restaurants | 184 | $97.0M | $527K | 17.8% |
| 722511 | Full-Service Restaurants | 104 | $117.9M | $1.1M | 10.1% |
| 445110 | Supermarkets and Other Grocery (except Convenience) Stores | 88 | $96.4M | $1.1M | 8.5% |
| 812320 | Drycleaning and Laundry Services (except Coin-Operated) | 80 | $32.9M | $412K | 7.8% |
| 721110 | Hotels (except Casino Hotels) and Motels | 56 | $114.5M | $2.0M | 5.4% |
| 456120 | Other | 48 | $53.2M | $1.1M | 4.7% |
| 446120 | Cosmetics, Beauty Supplies, and Perfume Stores | 40 | $27.3M | $682K | 3.9% |
| 457110 | Other | 40 | $88.5M | $2.2M | 3.9% |
| 311811 | Retail Bakeries | 32 | $21.2M | $663K | 3.1% |
| 722320 | Caterers | 24 | $14.0M | $584K | 2.3% |
Geographic Distribution
SBA lending activity for Loyal Trust Bank by state
| State | Loans | Volume | Share |
|---|---|---|---|
| Georgia (GA) | 896 | $842.9M | 86.8% |
| Alabama (AL) | 56 | $39.2M | 5.4% |
| Florida (FL) | 24 | $18.2M | 2.3% |
| Tennessee (TN) | 8 | $17.2M | 0.8% |
| Oklahoma (OK) | 8 | $14.6M | 0.8% |
| Texas (TX) | 8 | $10.5M | 0.8% |
| North Carolina (NC) | 8 | $7.9M | 0.8% |
| Indiana (IN) | 8 | $4.4M | 0.8% |
| California (CA) | 8 | $4.0M | 0.8% |
| South Carolina (SC) | 8 | $3.8M | 0.8% |
Why Choose Loyal Trust Bank?
Based on SBA 7(a) lending track record from 2020-2025
- ✓Proven Track Record: 1,032 SBA loans approved, totaling $962.8M in financing
- ✓Industry Expertise: Specialized focus on Limited-Service Restaurants, Full-Service Restaurants, Supermarkets and Other Grocery (except Convenience) Stores
- ✓Competitive Terms: Average interest rate of 7.78% with flexible term lengths averaging 211 months
- ✓Loan Range: Loan sizes from $112K to $5.0M, with an average of $933K
- ✓Nationwide Reach: Active lending in 10 states, with strong presence in GA, AL, FL
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 Loyal Trust Bank SBA lending
What types of businesses does Loyal Trust Bank typically finance?
Loyal Trust Bank specializes in SBA 7(a) lending to specific industries including limited-service restaurants, full-service restaurants, supermarkets and other grocery (except convenience) stores, drycleaning and laundry services (except coin-operated). They have developed expertise in these sectors and understand the unique financial characteristics of each industry.
What are Loyal Trust Bank's typical SBA loan terms?
Loyal Trust Bank's SBA 7(a) loans typically feature an average interest rate of 7.78% and average term length of 211 months (approximately 18 years). Loan sizes range from $112K to $5.0M, with an average loan size of $933K.
Do I need a business valuation for a Loyal Trust Bank SBA loan?
Yes, Loyal Trust 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 Loyal Trust Bank compare to other SBA lenders?
Loyal Trust Bank has originated 1,032 SBA loans totaling $962.8M 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 Loyal Trust Bank lend in?
Loyal Trust Bank provides SBA 7(a) financing with particularly strong presence in GA, AL, FL, NC, OK. 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.
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