Peoples Bank and Trust Co
SBA 7(a) Lending Profile · All Time analysis
Industry Focus
Top industries served by Peoples Bank and Trust Co · All Time
| NAICS | Industry | Loans | Volume | Avg Loan | Share |
|---|---|---|---|---|---|
| 339920 | Sporting and Athletic Goods Manufacturing | 2 | $150K | $75K | 6.7% |
| 624410 | Child Care Services | 2 | $51K | $26K | 6.7% |
| 541990 | All Other Professional, Scientific, and Technical Services | 1 | $78K | $78K | 3.3% |
| 713950 | Bowling Centers | 1 | $128K | $128K | 3.3% |
| 811122 | Automotive Glass Replacement Shops | 1 | $13K | $13K | 3.3% |
| 312130 | Wineries | 1 | $670K | $670K | 3.3% |
| 327390 | Other Concrete Product Manufacturing | 1 | $300K | $300K | 3.3% |
| 445110 | Supermarkets and Other Grocery Retailers (except Convenience Retailers) | 1 | $370K | $370K | 3.3% |
| 623311 | Continuing Care Retirement Communities | 1 | $50K | $50K | 3.3% |
| 811111 | General Automotive Repair | 1 | $14K | $14K | 3.3% |
Geographic Distribution
SBA lending activity for Peoples Bank and Trust Co by state
| State | Loans | Volume | Share |
|---|---|---|---|
| Missouri (MO) | 29 | $4.5M | 96.7% |
| Illinois (IL) | 1 | $50K | 3.3% |
Why Choose Peoples Bank and Trust Co?
Based on SBA 7(a) lending track record from 1991-2017
- ✓Proven Track Record: 30 SBA loans approved, totaling $4.6M in financing
- ✓Industry Expertise: Specialized focus on Sporting and Athletic Goods Manufacturing, Child Care Services, All Other Professional, Scientific, and Technical Services
- ✓Competitive Terms: Average interest rate of 5.75% with flexible term lengths averaging 88 months
- ✓Loan Range: Loan sizes from $5K to $700K, with an average of $152K
- ✓Nationwide Reach: Active lending in 2 states, with strong presence in MO, IL
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 Peoples Bank and Trust Co SBA lending
What types of businesses does Peoples Bank and Trust Co typically finance?
Peoples Bank and Trust Co specializes in SBA 7(a) lending to specific industries including sporting and athletic goods manufacturing, child care services, all other professional, scientific, and technical services, bowling centers. They have developed expertise in these sectors and understand the unique financial characteristics of each industry.
What are Peoples Bank and Trust Co's typical SBA loan terms?
Peoples Bank and Trust Co's SBA 7(a) loans typically feature an average interest rate of 5.75% and average term length of 88 months (approximately 7 years). Loan sizes range from $5K to $700K, with an average loan size of $152K.
Do I need a business valuation for a Peoples Bank and Trust Co SBA loan?
Yes, Peoples Bank and Trust Co 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 Peoples Bank and Trust Co compare to other SBA lenders?
Peoples Bank and Trust Co has originated 30 SBA loans totaling $4.6M since 1991. 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 Peoples Bank and Trust Co lend in?
Peoples Bank and Trust Co provides SBA 7(a) financing with particularly strong presence in MO, IL. 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.
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