The Juniata Valley Bank
SBA 7(a) Lending Profile · All Time analysis
Industry Focus
Top industries served by The Juniata Valley Bank
| NAICS | Industry | Loans | Volume | Avg Loan | Share |
|---|---|---|---|---|---|
| 722511 | Full-Service Restaurants | 32 | $35.0M | $1.1M | 19.0% |
| 485991 | Special Needs Transportation | 24 | $32.2M | $1.3M | 14.3% |
| 236115 | New Single-Family Housing Construction (except Operative Builders) | 16 | $36.3M | $2.3M | 9.5% |
| 621610 | Home Health Care Services | 16 | $4.0M | $249K | 9.5% |
| 238290 | Other Building Equipment Contractors | 16 | $2.4M | $149K | 9.5% |
| 484110 | General Freight Trucking, Local | 8 | $640K | $80K | 4.8% |
| 722410 | Drinking Places (Alcoholic Beverages) | 8 | $1.5M | $189K | 4.8% |
| 424810 | Beer and Ale Merchant Wholesalers | 8 | $800K | $100K | 4.8% |
| 445299 | All Other Specialty Food Stores | 8 | $14.4M | $1.8M | 4.8% |
| 453998 | All Other Miscellaneous Store Retailers (except Tobacco Stores) | 8 | $872K | $109K | 4.8% |
Geographic Distribution
SBA lending activity for The Juniata Valley Bank by state
| State | Loans | Volume | Share |
|---|---|---|---|
| Pennsylvania (PA) | 168 | $133.6M | 100.0% |
Why Choose The Juniata Valley Bank?
Based on SBA 7(a) lending track record from 2020-2025
- ✓Proven Track Record: 168 SBA loans approved, totaling $133.6M in financing
- ✓Industry Expertise: Specialized focus on Full-Service Restaurants, Special Needs Transportation, New Single-Family Housing Construction (except Operative Builders)
- ✓Competitive Terms: Average interest rate of 7.01% with flexible term lengths averaging 149 months
- ✓Loan Range: Loan sizes from $30K to $4.0M, with an average of $795K
- ✓Nationwide Reach: Active lending in 1 states, with strong presence in PA
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 Juniata Valley Bank SBA lending
What types of businesses does The Juniata Valley Bank typically finance?
The Juniata Valley Bank specializes in SBA 7(a) lending to specific industries including full-service restaurants, special needs transportation, new single-family housing construction (except operative builders), home health care services. They have developed expertise in these sectors and understand the unique financial characteristics of each industry.
What are The Juniata Valley Bank's typical SBA loan terms?
The Juniata Valley Bank's SBA 7(a) loans typically feature an average interest rate of 7.01% and average term length of 149 months (approximately 12 years). Loan sizes range from $30K to $4.0M, with an average loan size of $795K.
Do I need a business valuation for a The Juniata Valley Bank SBA loan?
Yes, The Juniata Valley 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 Juniata Valley Bank compare to other SBA lenders?
The Juniata Valley Bank has originated 168 SBA loans totaling $133.6M 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 Juniata Valley Bank lend in?
The Juniata Valley Bank provides SBA 7(a) financing with particularly strong presence in PA. 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.
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Professional valuations are often required for SBA loans over $250,000.
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