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 · All Time
| NAICS | Industry | Loans | Volume | Avg Loan | Share |
|---|---|---|---|---|---|
| 111998 | All Other Miscellaneous Crop Farming | 11 | $834K | $76K | 6.1% |
| 112120 | Dairy Cattle and Milk Production | 7 | $865K | $124K | 3.9% |
| 238190 | Other Foundation, Structure, and Building Exterior Contractors | 6 | $69K | $12K | 3.4% |
| 812910 | Pet Care (except Veterinary) Services | 6 | $3.0M | $503K | 3.4% |
| 238210 | Electrical Contractors and Other Wiring Installation Contractors | 5 | $385K | $77K | 2.8% |
| 722515 | Snack and Nonalcoholic Beverage Bars | 5 | $369K | $74K | 2.8% |
| 713940 | Fitness and Recreational Sports Centers | 5 | $534K | $107K | 2.8% |
| 812112 | Beauty Salons | 5 | $210K | $42K | 2.8% |
| 812199 | Other Personal Care Services | 4 | $636K | $159K | 2.2% |
| 561730 | Landscaping Services | 4 | $195K | $49K | 2.2% |
Geographic Distribution
SBA lending activity for Peoples Trust Company of St. Albans by state
| State | Loans | Volume | Share |
|---|---|---|---|
| Vermont (VT) | 179 | $15.7M | 100.0% |
Why Choose Peoples Trust Company of St. Albans?
Based on SBA 7(a) lending track record from 1995-2025
- ✓Proven Track Record: 179 SBA loans approved, totaling $15.7M in financing
- ✓Industry Expertise: Specialized focus on All Other Miscellaneous Crop Farming, Dairy Cattle and Milk Production, Other Foundation, Structure, and Building Exterior Contractors
- ✓Competitive Terms: Average interest rate of 6.83% with flexible term lengths averaging 89 months
- ✓Loan Range: Loan sizes from $5K to $1.4M, with an average of $88K
- ✓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 all other miscellaneous crop farming, dairy cattle and milk production, other foundation, structure, and building exterior contractors, pet care (except veterinary) services. 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 6.83% and average term length of 89 months (approximately 7 years). Loan sizes range from $5K to $1.4M, with an average loan size of $88K.
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 179 SBA loans totaling $15.7M since 1995. 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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Certified valuations are often required for SBA loans over $250,000.
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