Peoples Security Bank and Trust Company
SBA 7(a) Lending Profile · All Time analysis
Industry Focus
Top industries served by Peoples Security Bank and Trust Company
| NAICS | Industry | Loans | Volume | Avg Loan | Share |
|---|---|---|---|---|---|
| 722511 | Full-Service Restaurants | 40 | $14.7M | $367K | 10.2% |
| 722410 | Drinking Places (Alcoholic Beverages) | 32 | $9.2M | $286K | 8.2% |
| 423990 | Other Miscellaneous Durable Goods Merchant Wholesalers | 24 | $37.9M | $1.6M | 6.1% |
| 624410 | Child Day Care Services | 24 | $5.8M | $240K | 6.1% |
| 531120 | Lessors of Nonresidential Buildings (except Miniwarehouses) | 16 | $13.7M | $859K | 4.1% |
| 812112 | Beauty Salons | 16 | $840K | $53K | 4.1% |
| 812199 | Other Personal Care Services | 16 | $3.0M | $191K | 4.1% |
| 532310 | General Rental Centers | 16 | $6.6M | $411K | 4.1% |
| 459991 | Other | 16 | $5.8M | $365K | 4.1% |
| 237110 | Water and Sewer Line and Related Structures Construction | 8 | $1.6M | $200K | 2.0% |
Geographic Distribution
SBA lending activity for Peoples Security Bank and Trust Company by state
| State | Loans | Volume | Share |
|---|---|---|---|
| Pennsylvania (PA) | 368 | $248.5M | 93.9% |
| California (CA) | 8 | $17.6M | 2.0% |
| Florida (FL) | 8 | $11.2M | 2.0% |
| New Jersey (NJ) | 8 | $1.6M | 2.0% |
Why Choose Peoples Security Bank and Trust Company?
Based on SBA 7(a) lending track record from 2020-2025
- ✓Proven Track Record: 392 SBA loans approved, totaling $278.9M in financing
- ✓Industry Expertise: Specialized focus on Full-Service Restaurants, Drinking Places (Alcoholic Beverages), Other Miscellaneous Durable Goods Merchant Wholesalers
- ✓Competitive Terms: Average interest rate of 7.16% with flexible term lengths averaging 146 months
- ✓Loan Range: Loan sizes from $50K to $4.8M, with an average of $712K
- ✓Nationwide Reach: Active lending in 4 states, with strong presence in PA, CA, FL
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 Security Bank and Trust Company SBA lending
What types of businesses does Peoples Security Bank and Trust Company typically finance?
Peoples Security Bank and Trust Company specializes in SBA 7(a) lending to specific industries including full-service restaurants, drinking places (alcoholic beverages), other miscellaneous durable goods merchant wholesalers, child day care services. They have developed expertise in these sectors and understand the unique financial characteristics of each industry.
What are Peoples Security Bank and Trust Company's typical SBA loan terms?
Peoples Security Bank and Trust Company's SBA 7(a) loans typically feature an average interest rate of 7.16% and average term length of 146 months (approximately 12 years). Loan sizes range from $50K to $4.8M, with an average loan size of $712K.
Do I need a business valuation for a Peoples Security Bank and Trust Company SBA loan?
Yes, Peoples Security 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 Security Bank and Trust Company compare to other SBA lenders?
Peoples Security Bank and Trust Company has originated 392 SBA loans totaling $278.9M 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 Security Bank and Trust Company lend in?
Peoples Security Bank and Trust Company provides SBA 7(a) financing with particularly strong presence in PA, CA, FL, NJ. 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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