The Commercial Bank
SBA 7(a) Lending Profile · FY 2020 analysis
Industry Focus
Top industries served by The Commercial Bank
| NAICS | Industry | Loans | Volume | Avg Loan | Share |
|---|---|---|---|---|---|
| 722513 | Limited-Service Restaurants | 40 | $22.5M | $562K | 27.8% |
| 722511 | Full-Service Restaurants | 8 | $4.5M | $567K | 5.6% |
| 424490 | Other Grocery and Related Products Merchant Wholesalers | 8 | $3.5M | $434K | 5.6% |
| 312120 | Breweries | 8 | $7.3M | $918K | 5.6% |
| 621610 | Home Health Care Services | 8 | $7.7M | $964K | 5.6% |
| 488410 | Motor Vehicle Towing | 8 | $1.8M | $228K | 5.6% |
| 711310 | Promoters of Performing Arts, Sports, and Similar Events with Faciliti | 8 | $2.1M | $263K | 5.6% |
| 524210 | Insurance Agencies and Brokerages | 8 | $1.2M | $153K | 5.6% |
| 459510 | Other | 8 | $4.2M | $527K | 5.6% |
| 812910 | Pet Care (except Veterinary) Services | 8 | $781K | $98K | 5.6% |
Geographic Distribution
SBA lending activity for The Commercial Bank by state
| State | Loans | Volume | Share |
|---|---|---|---|
| Georgia (GA) | 96 | $42.2M | 66.7% |
| Mississippi (MS) | 40 | $15.4M | 27.8% |
| South Carolina (SC) | 8 | $6.3M | 5.6% |
Why Choose The Commercial Bank?
Based on SBA 7(a) lending track record from 2020-2025
- ✓Proven Track Record: 144 SBA loans approved, totaling $63.9M in financing
- ✓Industry Expertise: Specialized focus on Limited-Service Restaurants, Full-Service Restaurants, Other Grocery and Related Products Merchant Wholesalers
- ✓Competitive Terms: Average interest rate of 7.75% with flexible term lengths averaging 161 months
- ✓Loan Range: Loan sizes from $98K to $1.4M, with an average of $444K
- ✓Nationwide Reach: Active lending in 3 states, with strong presence in GA, MS, SC
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 Commercial Bank SBA lending
What types of businesses does The Commercial Bank typically finance?
The Commercial Bank specializes in SBA 7(a) lending to specific industries including limited-service restaurants, full-service restaurants, other grocery and related products merchant wholesalers, breweries. They have developed expertise in these sectors and understand the unique financial characteristics of each industry.
What are The Commercial Bank's typical SBA loan terms?
The Commercial Bank's SBA 7(a) loans typically feature an average interest rate of 7.75% and average term length of 161 months (approximately 13 years). Loan sizes range from $98K to $1.4M, with an average loan size of $444K.
Do I need a business valuation for a The Commercial Bank SBA loan?
Yes, The Commercial Bank 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 Commercial Bank compare to other SBA lenders?
The Commercial Bank has originated 144 SBA loans totaling $63.9M 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 Commercial Bank lend in?
The Commercial Bank provides SBA 7(a) financing with particularly strong presence in GA, MS, SC. 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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