The Middlefield Banking Company
SBA 7(a) Lending Profile · FY 2025 analysis
Industry Focus
Top industries served by The Middlefield Banking Company
| NAICS | Industry | Loans | Volume | Avg Loan | Share |
|---|---|---|---|---|---|
| 722515 | Snack and Nonalcoholic Beverage Bars | 32 | $9.1M | $283K | 28.6% |
| 812199 | Other Personal Care Services | 24 | $11.3M | $472K | 21.4% |
| 611110 | Elementary and Secondary Schools | 16 | $6.6M | $410K | 14.3% |
| 531110 | Lessors of Residential Buildingsv and Dwellings | 16 | $6.4M | $398K | 14.3% |
| 511130 | Book Publishers | 8 | $2.8M | $350K | 7.1% |
| 339999 | All Other Miscellaneous Manufacturing | 8 | $4.0M | $500K | 7.1% |
| 541410 | Interior Design Services | 8 | $600K | $75K | 7.1% |
Geographic Distribution
SBA lending activity for The Middlefield Banking Company by state
| State | Loans | Volume | Share |
|---|---|---|---|
| Ohio (OH) | 112 | $40.7M | 100.0% |
Why Choose The Middlefield Banking Company?
Based on SBA 7(a) lending track record from 2020-2025
- ✓Proven Track Record: 112 SBA loans approved, totaling $40.7M in financing
- ✓Industry Expertise: Specialized focus on Snack and Nonalcoholic Beverage Bars, Other Personal Care Services, Elementary and Secondary Schools
- ✓Competitive Terms: Average interest rate of 7.55% with flexible term lengths averaging 115 months
- ✓Loan Range: Loan sizes from $50K to $787K, with an average of $364K
- ✓Nationwide Reach: Active lending in 1 states, with strong presence in OH
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 Middlefield Banking Company SBA lending
What types of businesses does The Middlefield Banking Company typically finance?
The Middlefield Banking Company specializes in SBA 7(a) lending to specific industries including snack and nonalcoholic beverage bars, other personal care services, elementary and secondary schools, lessors of residential buildingsv and dwellings. They have developed expertise in these sectors and understand the unique financial characteristics of each industry.
What are The Middlefield Banking Company's typical SBA loan terms?
The Middlefield Banking Company's SBA 7(a) loans typically feature an average interest rate of 7.55% and average term length of 115 months (approximately 10 years). Loan sizes range from $50K to $787K, with an average loan size of $364K.
Do I need a business valuation for a The Middlefield Banking Company SBA loan?
Yes, The Middlefield Banking Company 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 Middlefield Banking Company compare to other SBA lenders?
The Middlefield Banking Company has originated 112 SBA loans totaling $40.7M 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 Middlefield Banking Company lend in?
The Middlefield Banking Company provides SBA 7(a) financing with particularly strong presence in OH. 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.
Get your certified valuation from Fair Market Value.