River Bank
SBA 7(a) Lending Profile · FY 2024 analysis
Industry Focus
Top industries served by River Bank
| NAICS | Industry | Loans | Volume | Avg Loan | Share |
|---|---|---|---|---|---|
| 722513 | Limited-Service Restaurants | 16 | $3.7M | $229K | 33.3% |
| 237110 | Water and Sewer Line and Related Structures Construction | 8 | $2.5M | $310K | 16.7% |
| 423320 | Brick, Stone, and Related Construction Material Merchant Wholesalers | 8 | $400K | $50K | 16.7% |
| 722410 | Drinking Places (Alcoholic Beverages) | 8 | $2.2M | $280K | 16.7% |
| 459110 | Other | 8 | $1.7M | $216K | 16.7% |
Geographic Distribution
SBA lending activity for River Bank by state
| State | Loans | Volume | Share |
|---|---|---|---|
| Wisconsin (WI) | 48 | $10.5M | 100.0% |
Why Choose River Bank?
Based on SBA 7(a) lending track record from 2020-2025
- ✓Proven Track Record: 48 SBA loans approved, totaling $10.5M in financing
- ✓Industry Expertise: Specialized focus on Limited-Service Restaurants, Water and Sewer Line and Related Structures Construction, Brick, Stone, and Related Construction Material Merchant Wholesalers
- ✓Competitive Terms: Average interest rate of 7.75% with flexible term lengths averaging 118 months
- ✓Loan Range: Loan sizes from $37K to $420K, with an average of $219K
- ✓Nationwide Reach: Active lending in 1 states, with strong presence in WI
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 River Bank SBA lending
What types of businesses does River Bank typically finance?
River Bank specializes in SBA 7(a) lending to specific industries including limited-service restaurants, water and sewer line and related structures construction, brick, stone, and related construction material merchant wholesalers, drinking places (alcoholic beverages). They have developed expertise in these sectors and understand the unique financial characteristics of each industry.
What are River Bank's typical SBA loan terms?
River Bank's SBA 7(a) loans typically feature an average interest rate of 7.75% and average term length of 118 months (approximately 10 years). Loan sizes range from $37K to $420K, with an average loan size of $219K.
Do I need a business valuation for a River Bank SBA loan?
Yes, River 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 River Bank compare to other SBA lenders?
River Bank has originated 48 SBA loans totaling $10.5M 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 River Bank lend in?
River Bank provides SBA 7(a) financing with particularly strong presence in WI. 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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Professional valuations are often required for SBA loans over $250,000.
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