National Bank of Middlebury
SBA 7(a) Lending Profile · All Time analysis
Industry Focus
Top industries served by National Bank of Middlebury
| NAICS | Industry | Loans | Volume | Avg Loan | Share |
|---|---|---|---|---|---|
| 312120 | Breweries | 24 | $9.5M | $395K | 23.1% |
| 811490 | Other Personal and Household Goods Repair and Maintenance | 16 | $440K | $28K | 15.4% |
| 721191 | Bed-and-Breakfast Inns | 16 | $4.4M | $278K | 15.4% |
| 722513 | Limited-Service Restaurants | 8 | $1.4M | $178K | 7.7% |
| 311821 | Cookie and Cracker Manufacturing | 8 | $2.2M | $275K | 7.7% |
| 561730 | Landscaping Services | 8 | $1.5M | $188K | 7.7% |
| 238350 | Finish Carpentry Contractors | 8 | $800K | $100K | 7.7% |
| 541511 | Custom Computer Programming Services | 8 | $2.0M | $250K | 7.7% |
| 111219 | Other Vegetable (except Potato) and Melon Farming | 8 | $435K | $54K | 7.7% |
Geographic Distribution
SBA lending activity for National Bank of Middlebury by state
| State | Loans | Volume | Share |
|---|---|---|---|
| Vermont (VT) | 104 | $22.7M | 100.0% |
Why Choose National Bank of Middlebury?
Based on SBA 7(a) lending track record from 2020-2025
- ✓Proven Track Record: 104 SBA loans approved, totaling $22.7M in financing
- ✓Industry Expertise: Specialized focus on Breweries, Other Personal and Household Goods Repair and Maintenance, Bed-and-Breakfast Inns
- ✓Competitive Terms: Average interest rate of 5.94% with flexible term lengths averaging 106 months
- ✓Loan Range: Loan sizes from $10K to $550K, with an average of $219K
- ✓Nationwide Reach: Active lending in 1 states, with strong presence in VT
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 National Bank of Middlebury SBA lending
What types of businesses does National Bank of Middlebury typically finance?
National Bank of Middlebury specializes in SBA 7(a) lending to specific industries including breweries, other personal and household goods repair and maintenance, bed-and-breakfast inns, limited-service restaurants. They have developed expertise in these sectors and understand the unique financial characteristics of each industry.
What are National Bank of Middlebury's typical SBA loan terms?
National Bank of Middlebury's SBA 7(a) loans typically feature an average interest rate of 5.94% and average term length of 106 months (approximately 9 years). Loan sizes range from $10K to $550K, with an average loan size of $219K.
Do I need a business valuation for a National Bank of Middlebury SBA loan?
Yes, National Bank of Middlebury 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 National Bank of Middlebury compare to other SBA lenders?
National Bank of Middlebury has originated 104 SBA loans totaling $22.7M 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 National Bank of Middlebury lend in?
National Bank of Middlebury provides SBA 7(a) financing with particularly strong presence in VT. 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.
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Professional valuations are often required for SBA loans over $250,000.
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