Merchants Bank of California, National Association
SBA 7(a) Lending Profile · All Time analysis
Industry Focus
Top industries served by Merchants Bank of California, National Association · All Time
| NAICS | Industry | Loans | Volume | Avg Loan | Share |
|---|---|---|---|---|---|
| 811192 | Car Washes | 3 | $2.2M | $742K | 2.5% |
| 721110 | Hotels (except Casino Hotels) and Motels | 3 | $2.7M | $887K | 2.5% |
| 423220 | Home Furnishing Merchant Wholesalers | 3 | $250K | $83K | 2.5% |
| 423990 | Other Miscellaneous Durable Goods Merchant Wholesalers | 3 | $2.8M | $943K | 2.5% |
| 238990 | All Other Specialty Trade Contractors | 3 | $430K | $143K | 2.5% |
| 321999 | All Other Miscellaneous Wood Product Manufacturing | 2 | $3.4M | $1.7M | 1.6% |
| 562111 | Solid Waste Collection | 2 | $1.7M | $850K | 1.6% |
| 711510 | Independent Artists, Writers, and Performers | 2 | $2.0M | $990K | 1.6% |
| 238140 | Masonry Contractors | 2 | $1.9M | $968K | 1.6% |
| 488410 | Motor Vehicle Towing | 2 | $2.0M | $1.0M | 1.6% |
Geographic Distribution
SBA lending activity for Merchants Bank of California, National Association by state
| State | Loans | Volume | Share |
|---|---|---|---|
| California (CA) | 112 | $67.1M | 91.8% |
| Nevada (NV) | 3 | $1.6M | 2.5% |
| Washington (WA) | 2 | $1.5M | 1.6% |
| Arizona (AZ) | 2 | $1.1M | 1.6% |
| Texas (TX) | 1 | $950K | 0.8% |
| Colorado (CO) | 1 | $840K | 0.8% |
| New Mexico (NM) | 1 | $515K | 0.8% |
Why Choose Merchants Bank of California, National Association?
Based on SBA 7(a) lending track record from 1991-2013
- ✓Proven Track Record: 122 SBA loans approved, totaling $73.6M in financing
- ✓Industry Expertise: Specialized focus on Car Washes, Hotels (except Casino Hotels) and Motels, Home Furnishing Merchant Wholesalers
- ✓Competitive Terms: Average interest rate of 5.87% with flexible term lengths averaging 182 months
- ✓Loan Range: Loan sizes from $50K to $2.0M, with an average of $603K
- ✓Nationwide Reach: Active lending in 7 states, with strong presence in CA, NV, WA
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 Merchants Bank of California, National Association SBA lending
What types of businesses does Merchants Bank of California, National Association typically finance?
Merchants Bank of California, National Association specializes in SBA 7(a) lending to specific industries including car washes, hotels (except casino hotels) and motels, home furnishing merchant wholesalers, other miscellaneous durable goods merchant wholesalers. They have developed expertise in these sectors and understand the unique financial characteristics of each industry.
What are Merchants Bank of California, National Association's typical SBA loan terms?
Merchants Bank of California, National Association's SBA 7(a) loans typically feature an average interest rate of 5.87% and average term length of 182 months (approximately 15 years). Loan sizes range from $50K to $2.0M, with an average loan size of $603K.
Do I need a business valuation for a Merchants Bank of California, National Association SBA loan?
Yes, Merchants Bank of California, National Association 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 Merchants Bank of California, National Association compare to other SBA lenders?
Merchants Bank of California, National Association has originated 122 SBA loans totaling $73.6M since 1991. 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 Merchants Bank of California, National Association lend in?
Merchants Bank of California, National Association provides SBA 7(a) financing with particularly strong presence in CA, NV, WA, AZ, NM. 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.
Get your certified valuation from Fair Market Value.