National Exchange Bank and Trust
SBA 7(a) Lending Profile · FY 2024 analysis
Industry Focus
Top industries served by National Exchange Bank and Trust
| NAICS | Industry | Loans | Volume | Avg Loan | Share |
|---|---|---|---|---|---|
| 722511 | Full-Service Restaurants | 32 | $10.2M | $318K | 10.8% |
| 541613 | Marketing Consulting Services | 16 | $9.7M | $606K | 5.4% |
| 561730 | Landscaping Services | 16 | $15.9M | $992K | 5.4% |
| 445110 | Supermarkets and Other Grocery (except Convenience) Stores | 16 | $7.5M | $470K | 5.4% |
| 339920 | Sporting and Athletic Goods Manufacturing | 16 | $6.0M | $373K | 5.4% |
| 812112 | Beauty Salons | 16 | $3.4M | $215K | 5.4% |
| 312130 | Wineries | 8 | $3.2M | $400K | 2.7% |
| 812310 | Coin-Operated Laundries and Drycleaners | 8 | $6.1M | $765K | 2.7% |
| 445320 | Other | 8 | $4.9M | $610K | 2.7% |
| 456110 | Other | 8 | $15.6M | $1.9M | 2.7% |
Geographic Distribution
SBA lending activity for National Exchange Bank and Trust by state
| State | Loans | Volume | Share |
|---|---|---|---|
| Wisconsin (WI) | 288 | $164.2M | 97.3% |
| Michigan (MI) | 8 | $3.7M | 2.7% |
Why Choose National Exchange Bank and Trust?
Based on SBA 7(a) lending track record from 2020-2025
- ✓Proven Track Record: 296 SBA loans approved, totaling $167.9M in financing
- ✓Industry Expertise: Specialized focus on Full-Service Restaurants, Marketing Consulting Services, Landscaping Services
- ✓Competitive Terms: Average interest rate of 5.98% with flexible term lengths averaging 131 months
- ✓Loan Range: Loan sizes from $120K to $3.0M, with an average of $567K
- ✓Nationwide Reach: Active lending in 2 states, with strong presence in WI, MI
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 Exchange Bank and Trust SBA lending
What types of businesses does National Exchange Bank and Trust typically finance?
National Exchange Bank and Trust specializes in SBA 7(a) lending to specific industries including full-service restaurants, marketing consulting services, landscaping services, supermarkets and other grocery (except convenience) stores. They have developed expertise in these sectors and understand the unique financial characteristics of each industry.
What are National Exchange Bank and Trust's typical SBA loan terms?
National Exchange Bank and Trust's SBA 7(a) loans typically feature an average interest rate of 5.98% and average term length of 131 months (approximately 11 years). Loan sizes range from $120K to $3.0M, with an average loan size of $567K.
Do I need a business valuation for a National Exchange Bank and Trust SBA loan?
Yes, National Exchange Bank and Trust 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 Exchange Bank and Trust compare to other SBA lenders?
National Exchange Bank and Trust has originated 296 SBA loans totaling $167.9M 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 Exchange Bank and Trust lend in?
National Exchange Bank and Trust provides SBA 7(a) financing with particularly strong presence in WI, MI. Based on their lending history, they have experience with diverse state-specific business regulations and licensing requirements.
Research Your Target Industry Before Applying
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