Pacific National Bank
SBA 7(a) Lending Profile · All Time analysis
Industry Focus
Top industries served by Pacific National Bank · All Time
| NAICS | Industry | Loans | Volume | Avg Loan | Share |
|---|---|---|---|---|---|
| 444230 | Outdoor Power Equipment Retailers | 3 | $2.6M | $854K | 9.1% |
| 713990 | All Other Amusement and Recreation Industries | 2 | $4.6M | $2.3M | 6.1% |
| 457110 | Gasoline Stations with Convenience Stores | 2 | $2.6M | $1.3M | 6.1% |
| 722511 | Full-Service Restaurants | 2 | $2.2M | $1.1M | 6.1% |
| 541211 | Offices of Certified Public Accountants | 2 | $912K | $456K | 6.1% |
| 238990 | All Other Specialty Trade Contractors | 1 | $876K | $876K | 3.0% |
| 624410 | Child Care Services | 1 | $1.4M | $1.4M | 3.0% |
| 488190 | Other Support Activities for Air Transportation | 1 | $3.4M | $3.4M | 3.0% |
| 561311 | Employment Placement Agencies | 1 | $1.7M | $1.7M | 3.0% |
| 611310 | Colleges, Universities, and Professional Schools | 1 | $3.8M | $3.8M | 3.0% |
Geographic Distribution
SBA lending activity for Pacific National Bank by state
| State | Loans | Volume | Share |
|---|---|---|---|
| Florida (FL) | 32 | $39.5M | 97.0% |
| Ohio (OH) | 1 | $1.9M | 3.0% |
Why Choose Pacific National Bank?
Based on SBA 7(a) lending track record from 2020-2026
- ✓Proven Track Record: 33 SBA loans approved, totaling $41.4M in financing
- ✓Industry Expertise: Specialized focus on Outdoor Power Equipment Retailers, All Other Amusement and Recreation Industries, Gasoline Stations with Convenience Stores
- ✓Competitive Terms: Average interest rate of 7.61% with flexible term lengths averaging 170 months
- ✓Loan Range: Loan sizes from $235K to $3.8M, with an average of $1.3M
- ✓Nationwide Reach: Active lending in 2 states, with strong presence in FL, OH
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 Pacific National Bank SBA lending
What types of businesses does Pacific National Bank typically finance?
Pacific National Bank specializes in SBA 7(a) lending to specific industries including outdoor power equipment retailers, all other amusement and recreation industries, gasoline stations with convenience stores, full-service restaurants. They have developed expertise in these sectors and understand the unique financial characteristics of each industry.
What are Pacific National Bank's typical SBA loan terms?
Pacific National Bank's SBA 7(a) loans typically feature an average interest rate of 7.61% and average term length of 170 months (approximately 14 years). Loan sizes range from $235K to $3.8M, with an average loan size of $1.3M.
Do I need a business valuation for a Pacific National Bank SBA loan?
Yes, Pacific National 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 Pacific National Bank compare to other SBA lenders?
Pacific National Bank has originated 33 SBA loans totaling $41.4M 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 Pacific National Bank lend in?
Pacific National Bank provides SBA 7(a) financing with particularly strong presence in FL, OH. 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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