Security Bank & Trust Company
SBA 7(a) Lending Profile · FY 2025 analysis
Industry Focus
Top industries served by Security Bank & Trust Company
| NAICS | Industry | Loans | Volume | Avg Loan | Share |
|---|---|---|---|---|---|
| 624410 | Child Day Care Services | 24 | $10.6M | $444K | 15.8% |
| 445132 | Other | 16 | $10.4M | $648K | 10.5% |
| 339999 | All Other Miscellaneous Manufacturing | 16 | $13.0M | $811K | 10.5% |
| 811111 | General Automotive Repair | 16 | $5.2M | $327K | 10.5% |
| 812990 | All Other Personal Services | 16 | $7.4M | $465K | 10.5% |
| 322299 | All Other Converted Paper Product Manufacturing | 16 | $4.5M | $280K | 10.5% |
| 711320 | Promoters of Performing Arts, Sports, and Similar Events without Facil | 8 | $5.6M | $700K | 5.3% |
| 561730 | Landscaping Services | 8 | $880K | $110K | 5.3% |
| 541320 | Landscape Architectural Services | 8 | $160K | $20K | 5.3% |
| 541519 | Other Computer Related Services | 8 | $14.4M | $1.8M | 5.3% |
Geographic Distribution
SBA lending activity for Security Bank & Trust Company by state
| State | Loans | Volume | Share |
|---|---|---|---|
| Minnesota (MN) | 144 | $74.2M | 94.7% |
| Iowa (IA) | 8 | $5.4M | 5.3% |
Why Choose Security Bank & Trust Company?
Based on SBA 7(a) lending track record from 2020-2025
- ✓Proven Track Record: 152 SBA loans approved, totaling $79.7M in financing
- ✓Industry Expertise: Specialized focus on Child Day Care Services, Other, All Other Miscellaneous Manufacturing
- ✓Competitive Terms: Average interest rate of 6.51% with flexible term lengths averaging 109 months
- ✓Loan Range: Loan sizes from $20K to $1.8M, with an average of $524K
- ✓Nationwide Reach: Active lending in 2 states, with strong presence in MN, IA
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 Security Bank & Trust Company SBA lending
What types of businesses does Security Bank & Trust Company typically finance?
Security Bank & Trust Company specializes in SBA 7(a) lending to specific industries including child day care services, other, all other miscellaneous manufacturing, general automotive repair. They have developed expertise in these sectors and understand the unique financial characteristics of each industry.
What are Security Bank & Trust Company's typical SBA loan terms?
Security Bank & Trust Company's SBA 7(a) loans typically feature an average interest rate of 6.51% and average term length of 109 months (approximately 9 years). Loan sizes range from $20K to $1.8M, with an average loan size of $524K.
Do I need a business valuation for a Security Bank & Trust Company SBA loan?
Yes, Security Bank & Trust Company 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 Security Bank & Trust Company compare to other SBA lenders?
Security Bank & Trust Company has originated 152 SBA loans totaling $79.7M 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 Security Bank & Trust Company lend in?
Security Bank & Trust Company provides SBA 7(a) financing with particularly strong presence in MN, IA. 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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