Mountain Commerce Bank
SBA 7(a) Lending Profile · All Time analysis
Industry Focus
Top industries served by Mountain Commerce Bank
| NAICS | Industry | Loans | Volume | Avg Loan | Share |
|---|---|---|---|---|---|
| 453998 | All Other Miscellaneous Store Retailers (except Tobacco Stores) | 16 | $760K | $48K | 18.2% |
| 562991 | Septic Tank and Related Services | 8 | $600K | $75K | 9.1% |
| 722513 | Limited-Service Restaurants | 8 | $2.1M | $266K | 9.1% |
| 446120 | Cosmetics, Beauty Supplies, and Perfume Stores | 8 | $578K | $72K | 9.1% |
| 441210 | Recreational Vehicle Dealers | 8 | $485K | $61K | 9.1% |
| 611699 | All Other Miscellaneous Schools and Instruction | 8 | $360K | $45K | 9.1% |
| 442110 | Furniture Stores | 8 | $400K | $50K | 9.1% |
| 541940 | Veterinary Services | 8 | $972K | $122K | 9.1% |
| 453310 | Used Merchandise Stores | 8 | $400K | $50K | 9.1% |
| 722410 | Drinking Places (Alcoholic Beverages) | 8 | $1.6M | $200K | 9.1% |
Geographic Distribution
SBA lending activity for Mountain Commerce Bank by state
| State | Loans | Volume | Share |
|---|---|---|---|
| Tennessee (TN) | 88 | $8.3M | 100.0% |
Why Choose Mountain Commerce Bank?
Based on SBA 7(a) lending track record from 2020-2025
- ✓Proven Track Record: 88 SBA loans approved, totaling $8.3M in financing
- ✓Industry Expertise: Specialized focus on All Other Miscellaneous Store Retailers (except Tobacco Stores), Septic Tank and Related Services, Limited-Service Restaurants
- ✓Competitive Terms: Average interest rate of 5.76% with flexible term lengths averaging 53 months
- ✓Loan Range: Loan sizes from $20K to $266K, with an average of $94K
- ✓Nationwide Reach: Active lending in 1 states, with strong presence in TN
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 Mountain Commerce Bank SBA lending
What types of businesses does Mountain Commerce Bank typically finance?
Mountain Commerce Bank specializes in SBA 7(a) lending to specific industries including all other miscellaneous store retailers (except tobacco stores), septic tank and related services, limited-service restaurants, cosmetics, beauty supplies, and perfume stores. They have developed expertise in these sectors and understand the unique financial characteristics of each industry.
What are Mountain Commerce Bank's typical SBA loan terms?
Mountain Commerce Bank's SBA 7(a) loans typically feature an average interest rate of 5.76% and average term length of 53 months (approximately 4 years). Loan sizes range from $20K to $266K, with an average loan size of $94K.
Do I need a business valuation for a Mountain Commerce Bank SBA loan?
Yes, Mountain Commerce 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 Mountain Commerce Bank compare to other SBA lenders?
Mountain Commerce Bank has originated 88 SBA loans totaling $8.3M 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 Mountain Commerce Bank lend in?
Mountain Commerce Bank provides SBA 7(a) financing with particularly strong presence in 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?
Professional valuations are often required for SBA loans over $250,000.
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