The Citizens National Bank of Bluffton
SBA 7(a) Lending Profile · FY 2020 analysis
Industry Focus
Top industries served by The Citizens National Bank of Bluffton
| NAICS | Industry | Loans | Volume | Avg Loan | Share |
|---|---|---|---|---|---|
| 722513 | Limited-Service Restaurants | 16 | $1.9M | $118K | 20.0% |
| 326199 | All Other Plastics Product Manufacturing | 8 | $7.0M | $875K | 10.0% |
| 621610 | Home Health Care Services | 8 | $10.9M | $1.4M | 10.0% |
| 444190 | Other Building Material Dealers | 8 | $2.8M | $350K | 10.0% |
| 238210 | Electrical Contractors | 8 | $30.4M | $3.8M | 10.0% |
| 561730 | Landscaping Services | 8 | $2.6M | $330K | 10.0% |
| 327991 | Cut Stone and Stone Product Manufacturing | 8 | $6.8M | $845K | 10.0% |
| 713940 | Fitness and Recreational Sports Centers | 8 | $1.8M | $221K | 10.0% |
| 238990 | All Other Specialty Trade Contractors | 8 | $12.0M | $1.5M | 10.0% |
Geographic Distribution
SBA lending activity for The Citizens National Bank of Bluffton by state
| State | Loans | Volume | Share |
|---|---|---|---|
| Ohio (OH) | 72 | $65.3M | 90.0% |
| Indiana (IN) | 8 | $10.9M | 10.0% |
Why Choose The Citizens National Bank of Bluffton?
Based on SBA 7(a) lending track record from 2020-2025
- ✓Proven Track Record: 80 SBA loans approved, totaling $76.2M in financing
- ✓Industry Expertise: Specialized focus on Limited-Service Restaurants, All Other Plastics Product Manufacturing, Home Health Care Services
- ✓Competitive Terms: Average interest rate of 6.06% with flexible term lengths averaging 83 months
- ✓Loan Range: Loan sizes from $29K to $3.8M, with an average of $952K
- ✓Nationwide Reach: Active lending in 2 states, with strong presence in OH, IN
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 The Citizens National Bank of Bluffton SBA lending
What types of businesses does The Citizens National Bank of Bluffton typically finance?
The Citizens National Bank of Bluffton specializes in SBA 7(a) lending to specific industries including limited-service restaurants, all other plastics product manufacturing, home health care services, other building material dealers. They have developed expertise in these sectors and understand the unique financial characteristics of each industry.
What are The Citizens National Bank of Bluffton's typical SBA loan terms?
The Citizens National Bank of Bluffton's SBA 7(a) loans typically feature an average interest rate of 6.06% and average term length of 83 months (approximately 7 years). Loan sizes range from $29K to $3.8M, with an average loan size of $952K.
Do I need a business valuation for a The Citizens National Bank of Bluffton SBA loan?
Yes, The Citizens National Bank of Bluffton 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 The Citizens National Bank of Bluffton compare to other SBA lenders?
The Citizens National Bank of Bluffton has originated 80 SBA loans totaling $76.2M 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 The Citizens National Bank of Bluffton lend in?
The Citizens National Bank of Bluffton provides SBA 7(a) financing with particularly strong presence in OH, IN. 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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Professional valuations are often required for SBA loans over $250,000.
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