Pan American Bank & Trust
SBA 7(a) Lending Profile · FY 2021 analysis
Industry Focus
Top industries served by Pan American Bank & Trust
| NAICS | Industry | Loans | Volume | Avg Loan | Share |
|---|---|---|---|---|---|
| 722513 | Limited-Service Restaurants | 72 | $78.6M | $1.1M | 16.7% |
| 621210 | Offices of Dentists | 24 | $6.3M | $261K | 5.6% |
| 722511 | Full-Service Restaurants | 24 | $12.2M | $507K | 5.6% |
| 812199 | Other Personal Care Services | 24 | $17.6M | $733K | 5.6% |
| 445110 | Supermarkets and Other Grocery (except Convenience) Stores | 16 | $15.2M | $948K | 3.7% |
| 541990 | All Other Professional, Scientific, and Technical Services | 16 | $7.5M | $470K | 3.7% |
| 624410 | Child Day Care Services | 16 | $6.8M | $422K | 3.7% |
| 561431 | Private Mail Centers | 16 | $5.6M | $349K | 3.7% |
| 812111 | Barber Shops | 16 | $3.3M | $204K | 3.7% |
| 541810 | Advertising Agencies | 8 | $2.5M | $315K | 1.9% |
Geographic Distribution
SBA lending activity for Pan American Bank & Trust by state
| State | Loans | Volume | Share |
|---|---|---|---|
| Illinois (IL) | 416 | $312.6M | 96.3% |
| Wisconsin (WI) | 8 | $11.0M | 1.9% |
| North Carolina (NC) | 8 | $4.7M | 1.9% |
Why Choose Pan American Bank & Trust?
Based on SBA 7(a) lending track record from 2020-2025
- ✓Proven Track Record: 432 SBA loans approved, totaling $328.3M in financing
- ✓Industry Expertise: Specialized focus on Limited-Service Restaurants, Offices of Dentists, Full-Service Restaurants
- ✓Competitive Terms: Average interest rate of 9.03% with flexible term lengths averaging 170 months
- ✓Loan Range: Loan sizes from $119K to $3.6M, with an average of $760K
- ✓Nationwide Reach: Active lending in 3 states, with strong presence in IL, NC, WI
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 Pan American Bank & Trust SBA lending
What types of businesses does Pan American Bank & Trust typically finance?
Pan American Bank & Trust specializes in SBA 7(a) lending to specific industries including limited-service restaurants, offices of dentists, full-service restaurants, other personal care services. They have developed expertise in these sectors and understand the unique financial characteristics of each industry.
What are Pan American Bank & Trust's typical SBA loan terms?
Pan American Bank & Trust's SBA 7(a) loans typically feature an average interest rate of 9.03% and average term length of 170 months (approximately 14 years). Loan sizes range from $119K to $3.6M, with an average loan size of $760K.
Do I need a business valuation for a Pan American Bank & Trust SBA loan?
Yes, Pan American Bank & Trust 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 Pan American Bank & Trust compare to other SBA lenders?
Pan American Bank & Trust has originated 432 SBA loans totaling $328.3M 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 Pan American Bank & Trust lend in?
Pan American Bank & Trust provides SBA 7(a) financing with particularly strong presence in IL, NC, WI. 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.
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