Owen County State Bank
SBA 7(a) Lending Profile · All Time analysis
Industry Focus
Top industries served by Owen County State Bank
| NAICS | Industry | Loans | Volume | Avg Loan | Share |
|---|---|---|---|---|---|
| 456191 | Other | 16 | $2.4M | $150K | 16.7% |
| 722511 | Full-Service Restaurants | 16 | $7.8M | $485K | 16.7% |
| 812199 | Other Personal Care Services | 8 | $1.4M | $175K | 8.3% |
| 624410 | Child Day Care Services | 8 | $5.1M | $640K | 8.3% |
| 451140 | Musical Instrument and Supplies Stores | 8 | $1.9M | $235K | 8.3% |
| 561612 | Security Guards and Patrol Services | 8 | $1.5M | $190K | 8.3% |
| 541940 | Veterinary Services | 8 | $32.7M | $4.1M | 8.3% |
| 811121 | Automotive Body, Paint, and Interior Repair and Maintenance | 8 | $4.4M | $545K | 8.3% |
| 541990 | All Other Professional, Scientific, and Technical Services | 8 | $3.8M | $475K | 8.3% |
| 531120 | Lessors of Nonresidential Buildings (except Miniwarehouses) | 8 | $11.2M | $1.4M | 8.3% |
Geographic Distribution
SBA lending activity for Owen County State Bank by state
| State | Loans | Volume | Share |
|---|---|---|---|
| Indiana (IN) | 96 | $72.2M | 100.0% |
Why Choose Owen County State Bank?
Based on SBA 7(a) lending track record from 2020-2025
- ✓Proven Track Record: 96 SBA loans approved, totaling $72.2M in financing
- ✓Industry Expertise: Specialized focus on Other, Full-Service Restaurants, Other Personal Care Services
- ✓Competitive Terms: Average interest rate of 9.19% with flexible term lengths averaging 197 months
- ✓Loan Range: Loan sizes from $50K to $4.1M, with an average of $752K
- ✓Nationwide Reach: Active lending in 1 states, with strong presence in IN
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 Owen County State Bank SBA lending
What types of businesses does Owen County State Bank typically finance?
Owen County State Bank specializes in SBA 7(a) lending to specific industries including other, full-service restaurants, other personal care services, child day care services. They have developed expertise in these sectors and understand the unique financial characteristics of each industry.
What are Owen County State Bank's typical SBA loan terms?
Owen County State Bank's SBA 7(a) loans typically feature an average interest rate of 9.19% and average term length of 197 months (approximately 16 years). Loan sizes range from $50K to $4.1M, with an average loan size of $752K.
Do I need a business valuation for a Owen County State Bank SBA loan?
Yes, Owen County 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 Owen County State Bank compare to other SBA lenders?
Owen County State Bank has originated 96 SBA loans totaling $72.2M 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 Owen County State Bank lend in?
Owen County State Bank provides SBA 7(a) financing with particularly strong presence in IN. 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.
Get your certified valuation from Fair Market Value.