Pacific Valley Bank
SBA 7(a) Lending Profile · All Time analysis
Industry Focus
Top industries served by Pacific Valley Bank · All Time
| NAICS | Industry | Loans | Volume | Avg Loan | Share |
|---|---|---|---|---|---|
| 332710 | Machine Shops | 1 | $1.4M | $1.4M | 8.3% |
| 713120 | Amusement Arcades | 1 | $121K | $121K | 8.3% |
| 423940 | Jewelry, Watch, Precious Stone, and Precious Metal Merchant Wholesalers | 1 | $1.5M | $1.5M | 8.3% |
| 812320 | Drycleaning and Laundry Services (except Coin-Operated) | 1 | $375K | $375K | 8.3% |
| 525990 | Other Financial Vehicles | 1 | $188K | $188K | 8.3% |
| 445110 | Supermarkets and Other Grocery Retailers (except Convenience Retailers) | 1 | $990K | $990K | 8.3% |
| 621310 | Offices of Chiropractors | 1 | $427K | $427K | 8.3% |
Geographic Distribution
SBA lending activity for Pacific Valley Bank by state
| State | Loans | Volume | Share |
|---|---|---|---|
| California (CA) | 12 | $7.3M | 100.0% |
Why Choose Pacific Valley Bank?
Based on SBA 7(a) lending track record from 2006-2009
- ✓Proven Track Record: 12 SBA loans approved, totaling $7.3M in financing
- ✓Industry Expertise: Specialized focus on Machine Shops, Amusement Arcades, Jewelry, Watch, Precious Stone, and Precious Metal Merchant Wholesalers
- ✓Competitive Terms: Average interest rate of 6.03% with flexible term lengths averaging 150 months
- ✓Loan Range: Loan sizes from $68K to $1.5M, with an average of $610K
- ✓Nationwide Reach: Active lending in 1 states, with strong presence in CA
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 Valley Bank SBA lending
What types of businesses does Pacific Valley Bank typically finance?
Pacific Valley Bank specializes in SBA 7(a) lending to specific industries including machine shops, amusement arcades, jewelry, watch, precious stone, and precious metal merchant wholesalers, drycleaning and laundry services (except coin-operated). They have developed expertise in these sectors and understand the unique financial characteristics of each industry.
What are Pacific Valley Bank's typical SBA loan terms?
Pacific Valley Bank's SBA 7(a) loans typically feature an average interest rate of 6.03% and average term length of 150 months (approximately 13 years). Loan sizes range from $68K to $1.5M, with an average loan size of $610K.
Do I need a business valuation for a Pacific Valley Bank SBA loan?
Yes, Pacific Valley 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 Valley Bank compare to other SBA lenders?
Pacific Valley Bank has originated 12 SBA loans totaling $7.3M since 2006. 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 Valley Bank lend in?
Pacific Valley Bank provides SBA 7(a) financing with particularly strong presence in CA. 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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