Peoples Trust Company of St. Albans
SBA 7(a) Lending Profile · All Time analysis
Industry Focus
Top industries served by Peoples Trust Company of St. Albans
| NAICS | Industry | Loans | Volume | Avg Loan | Share |
|---|---|---|---|---|---|
| 312120 | Breweries | 24 | $1.4M | $58K | 11.5% |
| 446120 | Cosmetics, Beauty Supplies, and Perfume Stores | 16 | $480K | $30K | 7.7% |
| 321113 | Sawmills | 16 | $2.2M | $140K | 7.7% |
| 713940 | Fitness and Recreational Sports Centers | 16 | $2.4M | $152K | 7.7% |
| 311811 | Retail Bakeries | 16 | $2.4M | $149K | 7.7% |
| 441228 | Motorcycle, ATV, and All Other Motor Vehicle Dealers | 16 | $694K | $43K | 7.7% |
| 926130 | Regulation and Administration of Communications, Electric, Gas, and Ot | 16 | $1.7M | $107K | 7.7% |
| 339114 | Dental Equipment and Supplies Manufacturing | 8 | $200K | $25K | 3.8% |
| 484110 | General Freight Trucking, Local | 8 | $2.1M | $265K | 3.8% |
| 621111 | Offices of Physicians (except Mental Health Specialists) | 8 | $600K | $75K | 3.8% |
Geographic Distribution
SBA lending activity for Peoples Trust Company of St. Albans by state
| State | Loans | Volume | Share |
|---|---|---|---|
| Vermont (VT) | 208 | $17.5M | 100.0% |
Why Choose Peoples Trust Company of St. Albans?
Based on SBA 7(a) lending track record from 2020-2025
- ✓Proven Track Record: 208 SBA loans approved, totaling $17.5M in financing
- ✓Industry Expertise: Specialized focus on Breweries, Cosmetics, Beauty Supplies, and Perfume Stores, Sawmills
- ✓Competitive Terms: Average interest rate of 6.53% with flexible term lengths averaging 99 months
- ✓Loan Range: Loan sizes from $10K to $287K, with an average of $84K
- ✓Nationwide Reach: Active lending in 1 states, with strong presence in VT
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 Trust Company of St. Albans SBA lending
What types of businesses does Peoples Trust Company of St. Albans typically finance?
Peoples Trust Company of St. Albans specializes in SBA 7(a) lending to specific industries including breweries, cosmetics, beauty supplies, and perfume stores, sawmills, fitness and recreational sports centers. They have developed expertise in these sectors and understand the unique financial characteristics of each industry.
What are Peoples Trust Company of St. Albans's typical SBA loan terms?
Peoples Trust Company of St. Albans's SBA 7(a) loans typically feature an average interest rate of 6.53% and average term length of 99 months (approximately 8 years). Loan sizes range from $10K to $287K, with an average loan size of $84K.
Do I need a business valuation for a Peoples Trust Company of St. Albans SBA loan?
Yes, Peoples Trust Company of St. Albans 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 Trust Company of St. Albans compare to other SBA lenders?
Peoples Trust Company of St. Albans has originated 208 SBA loans totaling $17.5M 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 Trust Company of St. Albans lend in?
Peoples Trust Company of St. Albans provides SBA 7(a) financing with particularly strong presence in VT. 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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Professional valuations are often required for SBA loans over $250,000.
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