Oriental Bank
SBA 7(a) Lending Profile · All Time analysis
Industry Focus
Top industries served by Oriental Bank
| NAICS | Industry | Loans | Volume | Avg Loan | Share |
|---|---|---|---|---|---|
| 621111 | Offices of Physicians (except Mental Health Specialists) | 888 | $172.7M | $194K | 13.1% |
| 722511 | Full-Service Restaurants | 488 | $130.3M | $267K | 7.2% |
| 236220 | Commercial and Institutional Building Construction | 216 | $41.4M | $192K | 3.2% |
| 621310 | Offices of Chiropractors | 208 | $10.1M | $48K | 3.1% |
| 621340 | Offices of Physical, Occupational and Speech Therapists, and Audiologi | 200 | $32.2M | $161K | 3.0% |
| 445110 | Supermarkets and Other Grocery (except Convenience) Stores | 184 | $34.6M | $188K | 2.7% |
| 456110 | Other | 128 | $19.4M | $151K | 1.9% |
| 621210 | Offices of Dentists | 128 | $28.6M | $223K | 1.9% |
| 623312 | Homes for the Elderly | 112 | $23.1M | $206K | 1.7% |
| 621511 | Medical Laboratories | 112 | $14.3M | $128K | 1.7% |
Geographic Distribution
SBA lending activity for Oriental Bank by state
| State | Loans | Volume | Share |
|---|---|---|---|
| PR (PR) | 6,624 | $1.10B | 97.8% |
| VI (VI) | 152 | $25.8M | 2.2% |
Why Choose Oriental Bank?
Based on SBA 7(a) lending track record from 2020-2025
- ✓Proven Track Record: 6,776 SBA loans approved, totaling $1.12B in financing
- ✓Industry Expertise: Specialized focus on Offices of Physicians (except Mental Health Specialists), Full-Service Restaurants, Commercial and Institutional Building Construction
- ✓Competitive Terms: Average interest rate of 7.42% with flexible term lengths averaging 128 months
- ✓Loan Range: Loan sizes from $5K to $1.7M, with an average of $166K
- ✓Nationwide Reach: Active lending in 2 states, with strong presence in PR, VI
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 Oriental Bank SBA lending
What types of businesses does Oriental Bank typically finance?
Oriental Bank specializes in SBA 7(a) lending to specific industries including offices of physicians (except mental health specialists), full-service restaurants, commercial and institutional building construction, offices of chiropractors. They have developed expertise in these sectors and understand the unique financial characteristics of each industry.
What are Oriental Bank's typical SBA loan terms?
Oriental Bank's SBA 7(a) loans typically feature an average interest rate of 7.42% and average term length of 128 months (approximately 11 years). Loan sizes range from $5K to $1.7M, with an average loan size of $166K.
Do I need a business valuation for a Oriental Bank SBA loan?
Yes, Oriental 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 Oriental Bank compare to other SBA lenders?
Oriental Bank has originated 6,776 SBA loans totaling $1.12B 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 Oriental Bank lend in?
Oriental Bank provides SBA 7(a) financing with particularly strong presence in PR, VI. 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.
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