State Bank and Trust Company, A Division of
SBA 7(a) Lending Profile · All Time analysis
Industry Focus
Top industries served by State Bank and Trust Company, A Division of · All Time
| NAICS | Industry | Loans | Volume | Avg Loan | Share |
|---|---|---|---|---|---|
| 621111 | Offices of Physicians (except Mental Health Specialists) | 1 | $150K | $150K | 50.0% |
| 621320 | Offices of Optometrists | 1 | $250K | $250K | 50.0% |
Geographic Distribution
SBA lending activity for State Bank and Trust Company, A Division of by state
| State | Loans | Volume | Share |
|---|---|---|---|
| Georgia (GA) | 2 | $400K | 100.0% |
Why Choose State Bank and Trust Company, A Division of?
Based on SBA 7(a) lending track record from 2004-2004
- ✓Proven Track Record: 2 SBA loans approved, totaling $400K in financing
- ✓Industry Expertise: Specialized focus on Offices of Physicians (except Mental Health Specialists), Offices of Optometrists
- ✓Competitive Terms: Average interest rate of — with flexible term lengths averaging 90 months
- ✓Loan Range: Loan sizes from $150K to $250K, with an average of $200K
- ✓Nationwide Reach: Active lending in 1 states, with strong presence in GA
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 State Bank and Trust Company, A Division of SBA lending
What types of businesses does State Bank and Trust Company, A Division of typically finance?
State Bank and Trust Company, A Division of specializes in SBA 7(a) lending to specific industries including offices of physicians (except mental health specialists), offices of optometrists. They have developed expertise in these sectors and understand the unique financial characteristics of each industry.
What are State Bank and Trust Company, A Division of's typical SBA loan terms?
State Bank and Trust Company, A Division of's SBA 7(a) loans typically feature an average interest rate of — and average term length of 90 months (approximately 8 years). Loan sizes range from $150K to $250K, with an average loan size of $200K.
Do I need a business valuation for a State Bank and Trust Company, A Division of SBA loan?
Yes, State Bank and Trust Company, A Division of 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 State Bank and Trust Company, A Division of compare to other SBA lenders?
State Bank and Trust Company, A Division of has originated 2 SBA loans totaling $400K 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 State Bank and Trust Company, A Division of lend in?
State Bank and Trust Company, A Division of provides SBA 7(a) financing with particularly strong presence in GA. 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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