Schertz Bank & Trust
SBA 7(a) Lending Profile · FY 2021 analysis
Industry Focus
Top industries served by Schertz Bank & Trust
| NAICS | Industry | Loans | Volume | Avg Loan | Share |
|---|---|---|---|---|---|
| 713940 | Fitness and Recreational Sports Centers | 8 | $928K | $116K | 9.1% |
| 722511 | Full-Service Restaurants | 8 | $2.7M | $342K | 9.1% |
| 561320 | Temporary Help Services | 8 | $1.3M | $166K | 9.1% |
| 423710 | Hardware Merchant Wholesalers | 8 | $5.3M | $657K | 9.1% |
| 541512 | Computer Systems Design Services | 8 | $3.6M | $446K | 9.1% |
| 811310 | Commercial and Industrial Machinery and Equipment (except Automotive a | 8 | $9.0M | $1.1M | 9.1% |
| 531130 | Lessors of Miniwarehouses and Self-Storage Units | 8 | $4.8M | $602K | 9.1% |
| 311411 | Frozen Fruit, Juice, and Vegetable Manufacturing | 8 | $26.4M | $3.3M | 9.1% |
| 812320 | Drycleaning and Laundry Services (except Coin-Operated) | 8 | $6.9M | $864K | 9.1% |
| 561612 | Security Guards and Patrol Services | 8 | $2.1M | $260K | 9.1% |
Geographic Distribution
SBA lending activity for Schertz Bank & Trust by state
| State | Loans | Volume | Share |
|---|---|---|---|
| Texas (TX) | 80 | $55.3M | 90.9% |
| Oklahoma (OK) | 8 | $9.0M | 9.1% |
Why Choose Schertz Bank & Trust?
Based on SBA 7(a) lending track record from 2020-2025
- ✓Proven Track Record: 88 SBA loans approved, totaling $64.3M in financing
- ✓Industry Expertise: Specialized focus on Fitness and Recreational Sports Centers, Full-Service Restaurants, Temporary Help Services
- ✓Competitive Terms: Average interest rate of 6.77% with flexible term lengths averaging 152 months
- ✓Loan Range: Loan sizes from $116K to $3.3M, with an average of $731K
- ✓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 fitness and recreational sports centers, full-service restaurants, temporary help services, hardware merchant wholesalers. 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 6.77% and average term length of 152 months (approximately 13 years). Loan sizes range from $116K to $3.3M, with an average loan size of $731K.
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 88 SBA loans totaling $64.3M 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 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?
Professional valuations are often required for SBA loans over $250,000.
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