Schertz Bank & Trust
SBA 7(a) Lending Profile · All Time analysis
Industry Focus
Top industries served by Schertz Bank & Trust · All Time
| NAICS | Industry | Loans | Volume | Avg Loan | Share |
|---|---|---|---|---|---|
| 811111 | General Automotive Repair | 7 | $1.0M | $144K | 4.3% |
| 624410 | Child Care Services | 6 | $561K | $93K | 3.7% |
| 621210 | Offices of Dentists | 5 | $1.9M | $389K | 3.1% |
| 811310 | Commercial and Industrial Machinery and Equipment (except Automotive and Electronic) Repair and Maintenance | 5 | $3.1M | $629K | 3.1% |
| 713940 | Fitness and Recreational Sports Centers | 4 | $185K | $46K | 2.5% |
| 711110 | Theater Companies and Dinner Theaters | 3 | $539K | $180K | 1.9% |
| 541310 | Architectural Services | 3 | $351K | $117K | 1.9% |
| 541330 | Engineering Services | 3 | $350K | $117K | 1.9% |
| 484220 | Specialized Freight (except Used Goods) Trucking, Local | 3 | $1.6M | $533K | 1.9% |
| 311813 | Frozen Cakes, Pies, and Other Pastries Manufacturing | 2 | $1.6M | $780K | 1.2% |
Geographic Distribution
SBA lending activity for Schertz Bank & Trust by state
| State | Loans | Volume | Share |
|---|---|---|---|
| Texas (TX) | 160 | $47.0M | 99.4% |
| Oklahoma (OK) | 1 | $1.1M | 0.6% |
Why Choose Schertz Bank & Trust?
Based on SBA 7(a) lending track record from 1991-2023
- ✓Proven Track Record: 161 SBA loans approved, totaling $48.1M in financing
- ✓Industry Expertise: Specialized focus on General Automotive Repair, Child Care Services, Offices of Dentists
- ✓Competitive Terms: Average interest rate of 6.09% with flexible term lengths averaging 100 months
- ✓Loan Range: Loan sizes from $8K to $3.3M, with an average of $299K
- ✓Nationwide Reach: Active lending in 2 states, with strong presence in TX, OK
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 Schertz Bank & Trust SBA lending
What types of businesses does Schertz Bank & Trust typically finance?
Schertz Bank & Trust specializes in SBA 7(a) lending to specific industries including general automotive repair, child care services, offices of dentists, commercial and industrial machinery and equipment (except automotive and electronic) repair and maintenance. They have developed expertise in these sectors and understand the unique financial characteristics of each industry.
What are Schertz Bank & Trust's typical SBA loan terms?
Schertz Bank & Trust's SBA 7(a) loans typically feature an average interest rate of 6.09% and average term length of 100 months (approximately 8 years). Loan sizes range from $8K to $3.3M, with an average loan size of $299K.
Do I need a business valuation for a Schertz Bank & Trust SBA loan?
Yes, Schertz Bank & Trust 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 Schertz Bank & Trust compare to other SBA lenders?
Schertz Bank & Trust has originated 161 SBA loans totaling $48.1M since 1991. 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 Schertz Bank & Trust lend in?
Schertz Bank & Trust provides SBA 7(a) financing with particularly strong presence in TX, OK. 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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