State Bank Financial
SBA 7(a) Lending Profile · All Time analysis
Industry Focus
Top industries served by State Bank Financial · All Time
| NAICS | Industry | Loans | Volume | Avg Loan | Share |
|---|---|---|---|---|---|
| 722410 | Drinking Places (Alcoholic Beverages) | 13 | $3.2M | $244K | 5.2% |
| 323113 | Commercial Screen Printing | 9 | $275K | $31K | 3.6% |
| 238220 | Plumbing, Heating, and Air-Conditioning Contractors | 8 | $1.8M | $226K | 3.2% |
| 621310 | Offices of Chiropractors | 8 | $672K | $84K | 3.2% |
| 339999 | All Other Miscellaneous Manufacturing | 7 | $3.7M | $533K | 2.8% |
| 238990 | All Other Specialty Trade Contractors | 5 | $240K | $48K | 2.0% |
| 624410 | Child Care Services | 5 | $312K | $62K | 2.0% |
| 561730 | Landscaping Services | 4 | $236K | $59K | 1.6% |
| 112120 | Dairy Cattle and Milk Production | 4 | $1.1M | $284K | 1.6% |
| 238210 | Electrical Contractors and Other Wiring Installation Contractors | 4 | $409K | $102K | 1.6% |
Geographic Distribution
SBA lending activity for State Bank Financial by state
| State | Loans | Volume | Share |
|---|---|---|---|
| Wisconsin (WI) | 228 | $51.6M | 90.8% |
| Minnesota (MN) | 18 | $4.1M | 7.2% |
| Iowa (IA) | 3 | $440K | 1.2% |
| South Dakota (SD) | 1 | $350K | 0.4% |
| Florida (FL) | 1 | $300K | 0.4% |
Why Choose State Bank Financial?
Based on SBA 7(a) lending track record from 1995-2025
- ✓Proven Track Record: 251 SBA loans approved, totaling $56.8M in financing
- ✓Industry Expertise: Specialized focus on Drinking Places (Alcoholic Beverages), Commercial Screen Printing, Plumbing, Heating, and Air-Conditioning Contractors
- ✓Competitive Terms: Average interest rate of 6.00% with flexible term lengths averaging 119 months
- ✓Loan Range: Loan sizes from $4K to $5.0M, with an average of $226K
- ✓Nationwide Reach: Active lending in 5 states, with strong presence in WI, 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 State Bank Financial SBA lending
What types of businesses does State Bank Financial typically finance?
State Bank Financial specializes in SBA 7(a) lending to specific industries including drinking places (alcoholic beverages), commercial screen printing, plumbing, heating, and air-conditioning contractors, offices of chiropractors. They have developed expertise in these sectors and understand the unique financial characteristics of each industry.
What are State Bank Financial's typical SBA loan terms?
State Bank Financial's SBA 7(a) loans typically feature an average interest rate of 6.00% and average term length of 119 months (approximately 10 years). Loan sizes range from $4K to $5.0M, with an average loan size of $226K.
Do I need a business valuation for a State Bank Financial SBA loan?
Yes, State Bank Financial 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 Financial compare to other SBA lenders?
State Bank Financial has originated 251 SBA loans totaling $56.8M since 1995. 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 Financial lend in?
State Bank Financial provides SBA 7(a) financing with particularly strong presence in WI, MN, IA, FL, SD. 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.
Get your certified valuation from Fair Market Value.