Metcalf Bank
SBA 7(a) Lending Profile · All Time analysis
Industry Focus
Top industries served by Metcalf Bank · All Time
| NAICS | Industry | Loans | Volume | Avg Loan | Share |
|---|---|---|---|---|---|
| 812320 | Drycleaning and Laundry Services (except Coin-Operated) | 7 | $797K | $114K | 3.0% |
| 561730 | Landscaping Services | 6 | $671K | $112K | 2.5% |
| 812310 | Coin-Operated Laundries and Drycleaners | 6 | $759K | $127K | 2.5% |
| 621210 | Offices of Dentists | 5 | $361K | $72K | 2.1% |
| 624410 | Child Care Services | 4 | $373K | $93K | 1.7% |
| 621320 | Offices of Optometrists | 3 | $330K | $110K | 1.3% |
| 722410 | Drinking Places (Alcoholic Beverages) | 2 | $190K | $95K | 0.8% |
| 541940 | Veterinary Services | 2 | $211K | $106K | 0.8% |
| 812112 | Beauty Salons | 2 | $450K | $225K | 0.8% |
| 337211 | Wood Office Furniture Manufacturing | 2 | $600K | $300K | 0.8% |
Geographic Distribution
SBA lending activity for Metcalf Bank by state
| State | Loans | Volume | Share |
|---|---|---|---|
| Kansas (KS) | 172 | $18.3M | 72.6% |
| Missouri (MO) | 65 | $8.8M | 27.4% |
Why Choose Metcalf Bank?
Based on SBA 7(a) lending track record from 1991-2004
- ✓Proven Track Record: 237 SBA loans approved, totaling $27.1M in financing
- ✓Industry Expertise: Specialized focus on Drycleaning and Laundry Services (except Coin-Operated), Landscaping Services, Coin-Operated Laundries and Drycleaners
- ✓Competitive Terms: Average interest rate of — with flexible term lengths averaging 79 months
- ✓Loan Range: Loan sizes from $15K to $685K, with an average of $114K
- ✓Nationwide Reach: Active lending in 2 states, with strong presence in KS, MO
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 Metcalf Bank SBA lending
What types of businesses does Metcalf Bank typically finance?
Metcalf Bank specializes in SBA 7(a) lending to specific industries including drycleaning and laundry services (except coin-operated), landscaping services, coin-operated laundries and drycleaners, offices of dentists. They have developed expertise in these sectors and understand the unique financial characteristics of each industry.
What are Metcalf Bank's typical SBA loan terms?
Metcalf Bank's SBA 7(a) loans typically feature an average interest rate of — and average term length of 79 months (approximately 7 years). Loan sizes range from $15K to $685K, with an average loan size of $114K.
Do I need a business valuation for a Metcalf Bank SBA loan?
Yes, Metcalf 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 Metcalf Bank compare to other SBA lenders?
Metcalf Bank has originated 237 SBA loans totaling $27.1M 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 Metcalf Bank lend in?
Metcalf Bank provides SBA 7(a) financing with particularly strong presence in KS, MO. 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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