Oostburg State Bank
SBA 7(a) Lending Profile · All Time analysis
Industry Focus
Top industries served by Oostburg State Bank · All Time
| NAICS | Industry | Loans | Volume | Avg Loan | Share |
|---|---|---|---|---|---|
| 811111 | General Automotive Repair | 6 | $1.3M | $212K | 5.5% |
| 332710 | Machine Shops | 6 | $1.3M | $216K | 5.5% |
| 722511 | Full-Service Restaurants | 5 | $2.1M | $420K | 4.6% |
| 623312 | Assisted Living Facilities for the Elderly | 5 | $1.8M | $356K | 4.6% |
| 238220 | Plumbing, Heating, and Air-Conditioning Contractors | 5 | $1.5M | $299K | 4.6% |
| 621610 | Home Health Care Services | 4 | $375K | $94K | 3.7% |
| 423310 | Lumber, Plywood, Millwork, and Wood Panel Merchant Wholesalers | 4 | $2.6M | $658K | 3.7% |
| 423910 | Sporting and Recreational Goods and Supplies Merchant Wholesalers | 3 | $1.5M | $503K | 2.8% |
| 332312 | Fabricated Structural Metal Manufacturing | 3 | $75K | $25K | 2.8% |
| 238330 | Flooring Contractors | 3 | $672K | $224K | 2.8% |
Geographic Distribution
SBA lending activity for Oostburg State Bank by state
| State | Loans | Volume | Share |
|---|---|---|---|
| Wisconsin (WI) | 108 | $44.6M | 99.1% |
| Oregon (OR) | 1 | $2.1M | 0.9% |
Why Choose Oostburg State Bank?
Based on SBA 7(a) lending track record from 1996-2025
- ✓Proven Track Record: 109 SBA loans approved, totaling $46.8M in financing
- ✓Industry Expertise: Specialized focus on General Automotive Repair, Machine Shops, Full-Service Restaurants
- ✓Competitive Terms: Average interest rate of 5.95% with flexible term lengths averaging 164 months
- ✓Loan Range: Loan sizes from $10K to $4.4M, with an average of $429K
- ✓Nationwide Reach: Active lending in 2 states, with strong presence in WI, OR
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 Oostburg State Bank SBA lending
What types of businesses does Oostburg State Bank typically finance?
Oostburg State Bank specializes in SBA 7(a) lending to specific industries including general automotive repair, machine shops, full-service restaurants, assisted living facilities for the elderly. They have developed expertise in these sectors and understand the unique financial characteristics of each industry.
What are Oostburg State Bank's typical SBA loan terms?
Oostburg State Bank's SBA 7(a) loans typically feature an average interest rate of 5.95% and average term length of 164 months (approximately 14 years). Loan sizes range from $10K to $4.4M, with an average loan size of $429K.
Do I need a business valuation for a Oostburg State Bank SBA loan?
Yes, Oostburg State 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 Oostburg State Bank compare to other SBA lenders?
Oostburg State Bank has originated 109 SBA loans totaling $46.8M since 1996. 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 Oostburg State Bank lend in?
Oostburg State Bank provides SBA 7(a) financing with particularly strong presence in WI, OR. 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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