Peoples Bank and Trust Company
SBA 7(a) Lending Profile · FY 2023 analysis
Industry Focus
Top industries served by Peoples Bank and Trust Company
| NAICS | Industry | Loans | Volume | Avg Loan | Share |
|---|---|---|---|---|---|
| 722511 | Full-Service Restaurants | 64 | $15.2M | $237K | 20.0% |
| 493110 | General Warehousing and Storage | 16 | $71.0M | $4.4M | 5.0% |
| 721110 | Hotels (except Casino Hotels) and Motels | 16 | $24.8M | $1.5M | 5.0% |
| 332312 | Fabricated Structural Metal Manufacturing | 16 | $3.0M | $188K | 5.0% |
| 561920 | Convention and Trade Show Organizers | 16 | $27.0M | $1.7M | 5.0% |
| 339950 | Sign Manufacturing | 8 | $24.7M | $3.1M | 2.5% |
| 517311 | Other | 8 | $21.6M | $2.7M | 2.5% |
| 561110 | Office Administrative Services | 8 | $2.9M | $358K | 2.5% |
| 445132 | Other | 8 | $4.0M | $500K | 2.5% |
| 492110 | Couriers | 8 | $2.4M | $298K | 2.5% |
Geographic Distribution
SBA lending activity for Peoples Bank and Trust Company by state
| State | Loans | Volume | Share |
|---|---|---|---|
| Oklahoma (OK) | 144 | $192.9M | 45.0% |
| Texas (TX) | 80 | $107.9M | 25.0% |
| Kansas (KS) | 72 | $44.4M | 22.5% |
| Alabama (AL) | 8 | $17.5M | 2.5% |
| Louisiana (LA) | 8 | $2.0M | 2.5% |
| Arkansas (AR) | 8 | $890K | 2.5% |
Why Choose Peoples Bank and Trust Company?
Based on SBA 7(a) lending track record from 2020-2025
- ✓Proven Track Record: 320 SBA loans approved, totaling $365.6M in financing
- ✓Industry Expertise: Specialized focus on Full-Service Restaurants, General Warehousing and Storage, Hotels (except Casino Hotels) and Motels
- ✓Competitive Terms: Average interest rate of 6.46% with flexible term lengths averaging 205 months
- ✓Loan Range: Loan sizes from $97K to $5.0M, with an average of $1.1M
- ✓Nationwide Reach: Active lending in 6 states, with strong presence in OK, TX, KS
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 Company SBA lending
What types of businesses does Peoples Bank and Trust Company typically finance?
Peoples Bank and Trust Company specializes in SBA 7(a) lending to specific industries including full-service restaurants, general warehousing and storage, hotels (except casino hotels) and motels, fabricated structural metal manufacturing. They have developed expertise in these sectors and understand the unique financial characteristics of each industry.
What are Peoples Bank and Trust Company's typical SBA loan terms?
Peoples Bank and Trust Company's SBA 7(a) loans typically feature an average interest rate of 6.46% and average term length of 205 months (approximately 17 years). Loan sizes range from $97K to $5.0M, with an average loan size of $1.1M.
Do I need a business valuation for a Peoples Bank and Trust Company SBA loan?
Yes, Peoples Bank and Trust Company 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 Company compare to other SBA lenders?
Peoples Bank and Trust Company has originated 320 SBA loans totaling $365.6M 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 Peoples Bank and Trust Company lend in?
Peoples Bank and Trust Company provides SBA 7(a) financing with particularly strong presence in OK, TX, KS, AR, LA. 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.
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