Pathfinder Bank
SBA 7(a) Lending Profile · All Time analysis
Industry Focus
Top industries served by Pathfinder Bank · All Time
| NAICS | Industry | Loans | Volume | Avg Loan | Share |
|---|---|---|---|---|---|
| 811111 | General Automotive Repair | 6 | $425K | $71K | 5.4% |
| 722513 | Limited-Service Restaurants | 3 | $462K | $154K | 2.7% |
| 722410 | Drinking Places (Alcoholic Beverages) | 3 | $140K | $47K | 2.7% |
| 713940 | Fitness and Recreational Sports Centers | 3 | $329K | $110K | 2.7% |
| 812199 | Other Personal Care Services | 3 | $513K | $171K | 2.7% |
| 621111 | Offices of Physicians (except Mental Health Specialists) | 2 | $750K | $375K | 1.8% |
| 811191 | Automotive Oil Change and Lubrication Shops | 2 | $743K | $371K | 1.8% |
| 337211 | Wood Office Furniture Manufacturing | 2 | $650K | $325K | 1.8% |
| 721211 | RV (Recreational Vehicle) Parks and Campgrounds | 2 | $452K | $226K | 1.8% |
| 722511 | Full-Service Restaurants | 2 | $404K | $202K | 1.8% |
Geographic Distribution
SBA lending activity for Pathfinder Bank by state
| State | Loans | Volume | Share |
|---|---|---|---|
| New York (NY) | 109 | $15.3M | 98.2% |
| Utah (UT) | 1 | $200K | 0.9% |
| New Hampshire (NH) | 1 | $85K | 0.9% |
Why Choose Pathfinder Bank?
Based on SBA 7(a) lending track record from 1994-2025
- ✓Proven Track Record: 111 SBA loans approved, totaling $15.6M in financing
- ✓Industry Expertise: Specialized focus on General Automotive Repair, Limited-Service Restaurants, Drinking Places (Alcoholic Beverages)
- ✓Competitive Terms: Average interest rate of 6.51% with flexible term lengths averaging 105 months
- ✓Loan Range: Loan sizes from $5K to $700K, with an average of $141K
- ✓Nationwide Reach: Active lending in 3 states, with strong presence in NY, NH, UT
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 Pathfinder Bank SBA lending
What types of businesses does Pathfinder Bank typically finance?
Pathfinder Bank specializes in SBA 7(a) lending to specific industries including general automotive repair, limited-service restaurants, drinking places (alcoholic beverages), fitness and recreational sports centers. They have developed expertise in these sectors and understand the unique financial characteristics of each industry.
What are Pathfinder Bank's typical SBA loan terms?
Pathfinder Bank's SBA 7(a) loans typically feature an average interest rate of 6.51% and average term length of 105 months (approximately 9 years). Loan sizes range from $5K to $700K, with an average loan size of $141K.
Do I need a business valuation for a Pathfinder Bank SBA loan?
Yes, Pathfinder 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 Pathfinder Bank compare to other SBA lenders?
Pathfinder Bank has originated 111 SBA loans totaling $15.6M since 1994. 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 Pathfinder Bank lend in?
Pathfinder Bank provides SBA 7(a) financing with particularly strong presence in NY, NH, UT. 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.
Get your certified valuation from Fair Market Value.