Oak Bank
SBA 7(a) Lending Profile · FY 2026 analysis
Industry Focus
Top industries served by Oak Bank
| NAICS | Industry | Loans | Volume | Avg Loan | Share |
|---|---|---|---|---|---|
| 713940 | Fitness and Recreational Sports Centers | 24 | $5.9M | $245K | 9.7% |
| 523930 | Investment Advice | 16 | $3.0M | $188K | 6.5% |
| 311352 | Confectionery Manufacturing from Purchased Chocolate | 16 | $5.8M | $363K | 6.5% |
| 561720 | Janitorial Services | 16 | $8.0M | $500K | 6.5% |
| 459310 | Other | 16 | $1.2M | $74K | 6.5% |
| 624410 | Child Day Care Services | 16 | $26.8M | $1.7M | 6.5% |
| 541990 | All Other Professional, Scientific, and Technical Services | 16 | $14.2M | $888K | 6.5% |
| 722511 | Full-Service Restaurants | 16 | $8.8M | $550K | 6.5% |
| 445110 | Supermarkets and Other Grocery (except Convenience) Stores | 16 | $7.1M | $445K | 6.5% |
| 445292 | Confectionery and Nut Stores | 16 | $6.2M | $388K | 6.5% |
Geographic Distribution
SBA lending activity for Oak Bank by state
| State | Loans | Volume | Share |
|---|---|---|---|
| Wisconsin (WI) | 248 | $119.3M | 100.0% |
Why Choose Oak Bank?
Based on SBA 7(a) lending track record from 2020-2025
- ✓Proven Track Record: 248 SBA loans approved, totaling $119.3M in financing
- ✓Industry Expertise: Specialized focus on Fitness and Recreational Sports Centers, Investment Advice, Confectionery Manufacturing from Purchased Chocolate
- ✓Competitive Terms: Average interest rate of 6.28% with flexible term lengths averaging 127 months
- ✓Loan Range: Loan sizes from $25K to $3.0M, with an average of $481K
- ✓Nationwide Reach: Active lending in 1 states, with strong presence in WI
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 Oak Bank SBA lending
What types of businesses does Oak Bank typically finance?
Oak Bank specializes in SBA 7(a) lending to specific industries including fitness and recreational sports centers, investment advice, confectionery manufacturing from purchased chocolate, janitorial services. They have developed expertise in these sectors and understand the unique financial characteristics of each industry.
What are Oak Bank's typical SBA loan terms?
Oak Bank's SBA 7(a) loans typically feature an average interest rate of 6.28% and average term length of 127 months (approximately 11 years). Loan sizes range from $25K to $3.0M, with an average loan size of $481K.
Do I need a business valuation for a Oak Bank SBA loan?
Yes, Oak 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 Oak Bank compare to other SBA lenders?
Oak Bank has originated 248 SBA loans totaling $119.3M 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 Oak Bank lend in?
Oak Bank provides SBA 7(a) financing with particularly strong presence in WI. 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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