Oak Valley Community Bank
SBA 7(a) Lending Profile · All Time analysis
Industry Focus
Top industries served by Oak Valley Community Bank · All Time
| NAICS | Industry | Loans | Volume | Avg Loan | Share |
|---|---|---|---|---|---|
| 811111 | General Automotive Repair | 3 | $390K | $130K | 4.6% |
| 541110 | Offices of Lawyers | 2 | $1.0M | $500K | 3.1% |
| 238320 | Painting and Wall Covering Contractors | 1 | $80K | $80K | 1.5% |
| 722515 | Snack and Nonalcoholic Beverage Bars | 1 | $975K | $975K | 1.5% |
| 721211 | RV (Recreational Vehicle) Parks and Campgrounds | 1 | $33K | $33K | 1.5% |
| 621210 | Offices of Dentists | 1 | $362K | $362K | 1.5% |
| 561520 | Tour Operators | 1 | $151K | $151K | 1.5% |
| 812910 | Pet Care (except Veterinary) Services | 1 | $40K | $40K | 1.5% |
| 531390 | Other Activities Related to Real Estate | 1 | $650K | $650K | 1.5% |
| 541940 | Veterinary Services | 1 | $900K | $900K | 1.5% |
Geographic Distribution
SBA lending activity for Oak Valley Community Bank by state
| State | Loans | Volume | Share |
|---|---|---|---|
| California (CA) | 65 | $16.5M | 100.0% |
Why Choose Oak Valley Community Bank?
Based on SBA 7(a) lending track record from 1992-2025
- ✓Proven Track Record: 65 SBA loans approved, totaling $16.5M in financing
- ✓Industry Expertise: Specialized focus on General Automotive Repair, Offices of Lawyers, Painting and Wall Covering Contractors
- ✓Competitive Terms: Average interest rate of 6.42% with flexible term lengths averaging 136 months
- ✓Loan Range: Loan sizes from $15K to $1.5M, with an average of $254K
- ✓Nationwide Reach: Active lending in 1 states, with strong presence in CA
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 Valley Community Bank SBA lending
What types of businesses does Oak Valley Community Bank typically finance?
Oak Valley Community Bank specializes in SBA 7(a) lending to specific industries including general automotive repair, offices of lawyers, painting and wall covering contractors, snack and nonalcoholic beverage bars. They have developed expertise in these sectors and understand the unique financial characteristics of each industry.
What are Oak Valley Community Bank's typical SBA loan terms?
Oak Valley Community Bank's SBA 7(a) loans typically feature an average interest rate of 6.42% and average term length of 136 months (approximately 11 years). Loan sizes range from $15K to $1.5M, with an average loan size of $254K.
Do I need a business valuation for a Oak Valley Community Bank SBA loan?
Yes, Oak Valley Community 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 Valley Community Bank compare to other SBA lenders?
Oak Valley Community Bank has originated 65 SBA loans totaling $16.5M since 1992. 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 Valley Community Bank lend in?
Oak Valley Community Bank provides SBA 7(a) financing with particularly strong presence in CA. 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?
Certified valuations are often required for SBA loans over $250,000.
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