Pine Country Bank
SBA 7(a) Lending Profile · All Time analysis
Industry Focus
Top industries served by Pine Country Bank · All Time
| NAICS | Industry | Loans | Volume | Avg Loan | Share |
|---|---|---|---|---|---|
| 238140 | Masonry Contractors | 3 | $129K | $43K | 25.0% |
| 811490 | Other Personal and Household Goods Repair and Maintenance | 2 | $117K | $59K | 16.7% |
| 722410 | Drinking Places (Alcoholic Beverages) | 1 | $230K | $230K | 8.3% |
| 238910 | Site Preparation Contractors | 1 | $1.4M | $1.4M | 8.3% |
| 493130 | Farm Product Warehousing and Storage | 1 | $100K | $100K | 8.3% |
| 332311 | Prefabricated Metal Building and Component Manufacturing | 1 | $295K | $295K | 8.3% |
| 332999 | All Other Miscellaneous Fabricated Metal Product Manufacturing | 1 | $1.3M | $1.3M | 8.3% |
Geographic Distribution
SBA lending activity for Pine Country Bank by state
| State | Loans | Volume | Share |
|---|---|---|---|
| Minnesota (MN) | 12 | $3.8M | 100.0% |
Why Choose Pine Country Bank?
Based on SBA 7(a) lending track record from 1995-2017
- ✓Proven Track Record: 12 SBA loans approved, totaling $3.8M in financing
- ✓Industry Expertise: Specialized focus on Masonry Contractors, Other Personal and Household Goods Repair and Maintenance, Drinking Places (Alcoholic Beverages)
- ✓Competitive Terms: Average interest rate of 6.40% with flexible term lengths averaging 117 months
- ✓Loan Range: Loan sizes from $14K to $1.4M, with an average of $313K
- ✓Nationwide Reach: Active lending in 1 states, with strong presence in MN
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 Pine Country Bank SBA lending
What types of businesses does Pine Country Bank typically finance?
Pine Country Bank specializes in SBA 7(a) lending to specific industries including masonry contractors, other personal and household goods repair and maintenance, drinking places (alcoholic beverages), site preparation contractors. They have developed expertise in these sectors and understand the unique financial characteristics of each industry.
What are Pine Country Bank's typical SBA loan terms?
Pine Country Bank's SBA 7(a) loans typically feature an average interest rate of 6.40% and average term length of 117 months (approximately 10 years). Loan sizes range from $14K to $1.4M, with an average loan size of $313K.
Do I need a business valuation for a Pine Country Bank SBA loan?
Yes, Pine Country Bank 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 Pine Country Bank compare to other SBA lenders?
Pine Country Bank has originated 12 SBA loans totaling $3.8M 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 Pine Country Bank lend in?
Pine Country Bank provides SBA 7(a) financing with particularly strong presence in MN. 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.
Explore Industry Reports →Need a Business Valuation?
Certified valuations are often required for SBA loans over $250,000.
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