Ruby Valley Bank
SBA 7(a) Lending Profile · All Time analysis
Industry Focus
Top industries served by Ruby Valley Bank · All Time
| NAICS | Industry | Loans | Volume | Avg Loan | Share |
|---|---|---|---|---|---|
| 721214 | Recreational and Vacation Camps (except Campgrounds) | 1 | $198K | $198K | 100.0% |
Geographic Distribution
SBA lending activity for Ruby Valley Bank by state
| State | Loans | Volume | Share |
|---|---|---|---|
| Montana (MT) | 1 | $198K | 100.0% |
Why Choose Ruby Valley Bank?
Based on SBA 7(a) lending track record from 2004-2004
- ✓Proven Track Record: 1 SBA loans approved, totaling $198K in financing
- ✓Industry Expertise: Specialized focus on Recreational and Vacation Camps (except Campgrounds)
- ✓Competitive Terms: Average interest rate of — with flexible term lengths averaging 180 months
- ✓Loan Range: Loan sizes from $198K to $198K, with an average of $198K
- ✓Nationwide Reach: Active lending in 1 states, with strong presence in MT
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 Ruby Valley Bank SBA lending
What types of businesses does Ruby Valley Bank typically finance?
Ruby Valley Bank specializes in SBA 7(a) lending to specific industries including recreational and vacation camps (except campgrounds). They have developed expertise in these sectors and understand the unique financial characteristics of each industry.
What are Ruby Valley Bank's typical SBA loan terms?
Ruby Valley Bank's SBA 7(a) loans typically feature an average interest rate of — and average term length of 180 months (approximately 15 years). Loan sizes range from $198K to $198K, with an average loan size of $198K.
Do I need a business valuation for a Ruby Valley Bank SBA loan?
Yes, Ruby Valley 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 Ruby Valley Bank compare to other SBA lenders?
Ruby Valley Bank has originated 1 SBA loans totaling $198K since 2004. 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 Ruby Valley Bank lend in?
Ruby Valley Bank provides SBA 7(a) financing with particularly strong presence in MT. 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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