North Valley Bank
SBA 7(a) Lending Profile · FY 2023 analysis
Industry Focus
Top industries served by North Valley Bank
| NAICS | Industry | Loans | Volume | Avg Loan | Share |
|---|---|---|---|---|---|
| 812210 | Funeral Homes and Funeral Services | 45 | $78.2M | $1.7M | 34.6% |
| 541940 | Veterinary Services | 11 | $10.5M | $951K | 8.5% |
| 531120 | Lessors of Nonresidential Buildings (except Miniwarehouses) | 6 | $10.8M | $1.8M | 4.6% |
| 722513 | Limited-Service Restaurants | 5 | $1.7M | $343K | 3.8% |
| 562991 | Septic Tank and Related Services | 3 | $1.6M | $518K | 2.3% |
| 237130 | Power and Communication Line and Related Structures Construction | 3 | $3.0M | $995K | 2.3% |
| 713940 | Fitness and Recreational Sports Centers | 2 | $273K | $137K | 1.5% |
| 722511 | Full-Service Restaurants | 2 | $1.3M | $674K | 1.5% |
| 621210 | Offices of Dentists | 2 | $2.4M | $1.2M | 1.5% |
| 621310 | Offices of Chiropractors | 1 | $120K | $120K | 0.8% |
Geographic Distribution
SBA lending activity for North Valley Bank by state
| State | Loans | Volume | Share |
|---|---|---|---|
| Ohio (OH) | 41 | $33.5M | 31.5% |
| New York (NY) | 8 | $11.8M | 6.2% |
| Colorado (CO) | 35 | $7.3M | 26.9% |
| Pennsylvania (PA) | 6 | $7.0M | 4.6% |
| Kentucky (KY) | 4 | $6.9M | 3.1% |
| Michigan (MI) | 4 | $6.6M | 3.1% |
| Arkansas (AR) | 3 | $6.5M | 2.3% |
| Kansas (KS) | 3 | $4.9M | 2.3% |
| Massachusetts (MA) | 1 | $4.8M | 0.8% |
| Missouri (MO) | 4 | $4.5M | 3.1% |
| New Jersey (NJ) | 1 | $3.9M | 0.8% |
| Connecticut (CT) | 2 | $3.8M | 1.5% |
| Florida (FL) | 2 | $3.4M | 1.5% |
| West Virginia (WV) | 3 | $3.2M | 2.3% |
| Indiana (IN) | 3 | $2.6M | 2.3% |
| Georgia (GA) | 1 | $2.3M | 0.8% |
| South Dakota (SD) | 1 | $1.9M | 0.8% |
| Virginia (VA) | 1 | $1.8M | 0.8% |
| New Hampshire (NH) | 1 | $1.6M | 0.8% |
| Maine (ME) | 1 | $1.4M | 0.8% |
| Texas (TX) | 1 | $1.2M | 0.8% |
| Nebraska (NE) | 1 | $1.1M | 0.8% |
| Louisiana (LA) | 1 | $952K | 0.8% |
| North Carolina (NC) | 1 | $403K | 0.8% |
| Illinois (IL) | 1 | $364K | 0.8% |
Why Choose North Valley Bank?
Based on SBA 7(a) lending track record from 2020-2025
- ✓Proven Track Record: 130 SBA loans approved, totaling $123.6M in financing
- ✓Industry Expertise: Specialized focus on Funeral Homes and Funeral Services, Veterinary Services, Lessors of Nonresidential Buildings (except Miniwarehouses)
- ✓Competitive Terms: Average interest rate of 6.95% with flexible term lengths averaging 206 months
- ✓Loan Range: Loan sizes from $10K to $4.8M, with an average of $951K
- ✓Nationwide Reach: Active lending in 25 states, with strong presence in OH, CO, NY
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 North Valley Bank SBA lending
What types of businesses does North Valley Bank typically finance?
North Valley Bank specializes in SBA 7(a) lending to specific industries including funeral homes and funeral services, veterinary services, lessors of nonresidential buildings (except miniwarehouses), limited-service restaurants. They have developed expertise in these sectors and understand the unique financial characteristics of each industry.
What are North Valley Bank's typical SBA loan terms?
North Valley Bank's SBA 7(a) loans typically feature an average interest rate of 6.95% and average term length of 206 months (approximately 17 years). Loan sizes range from $10K to $4.8M, with an average loan size of $951K.
Do I need a business valuation for a North Valley Bank SBA loan?
Yes, North Valley 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 North Valley Bank compare to other SBA lenders?
North Valley Bank has originated 130 SBA loans totaling $123.6M 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 North Valley Bank lend in?
North Valley Bank provides SBA 7(a) financing with particularly strong presence in OH, CO, NY, PA, MI. 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.
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