One Community Bank
SBA 7(a) Lending Profile · FY 2025 analysis
Industry Focus
Top industries served by One Community Bank
| NAICS | Industry | Loans | Volume | Avg Loan | Share |
|---|---|---|---|---|---|
| 722511 | Full-Service Restaurants | 40 | $17.5M | $438K | 12.8% |
| 722410 | Drinking Places (Alcoholic Beverages) | 32 | $10.2M | $320K | 10.3% |
| 713940 | Fitness and Recreational Sports Centers | 32 | $20.1M | $628K | 10.3% |
| 312130 | Wineries | 24 | $8.6M | $359K | 7.7% |
| 624410 | Child Day Care Services | 24 | $5.0M | $207K | 7.7% |
| 721110 | Hotels (except Casino Hotels) and Motels | 24 | $18.5M | $769K | 7.7% |
| 312120 | Breweries | 16 | $2.4M | $153K | 5.1% |
| 238310 | Drywall and Insulation Contractors | 16 | $3.5M | $221K | 5.1% |
| 811310 | Commercial and Industrial Machinery and Equipment (except Automotive a | 8 | $720K | $90K | 2.6% |
| 441330 | Other | 8 | $1.2M | $150K | 2.6% |
Geographic Distribution
SBA lending activity for One Community Bank by state
| State | Loans | Volume | Share |
|---|---|---|---|
| Wisconsin (WI) | 312 | $107.8M | 100.0% |
Why Choose One Community Bank?
Based on SBA 7(a) lending track record from 2020-2025
- ✓Proven Track Record: 312 SBA loans approved, totaling $107.8M in financing
- ✓Industry Expertise: Specialized focus on Full-Service Restaurants, Drinking Places (Alcoholic Beverages), Fitness and Recreational Sports Centers
- ✓Competitive Terms: Average interest rate of 7.20% with flexible term lengths averaging 146 months
- ✓Loan Range: Loan sizes from $50K to $1.7M, with an average of $345K
- ✓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 One Community Bank SBA lending
What types of businesses does One Community Bank typically finance?
One Community Bank specializes in SBA 7(a) lending to specific industries including full-service restaurants, drinking places (alcoholic beverages), fitness and recreational sports centers, wineries. They have developed expertise in these sectors and understand the unique financial characteristics of each industry.
What are One Community Bank's typical SBA loan terms?
One Community Bank's SBA 7(a) loans typically feature an average interest rate of 7.20% and average term length of 146 months (approximately 12 years). Loan sizes range from $50K to $1.7M, with an average loan size of $345K.
Do I need a business valuation for a One Community Bank SBA loan?
Yes, One 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 One Community Bank compare to other SBA lenders?
One Community Bank has originated 312 SBA loans totaling $107.8M 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 One Community Bank lend in?
One Community 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.
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Professional valuations are often required for SBA loans over $250,000.
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