The Paducah Bank and Trust Company
SBA 7(a) Lending Profile · All Time analysis
Industry Focus
Top industries served by The Paducah Bank and Trust Company
| NAICS | Industry | Loans | Volume | Avg Loan | Share |
|---|---|---|---|---|---|
| 238390 | Other Building Finishing Contractors | 16 | $2.4M | $150K | 20.0% |
| 722513 | Limited-Service Restaurants | 16 | $3.0M | $188K | 20.0% |
| 621210 | Offices of Dentists | 16 | $4.5M | $283K | 20.0% |
| 541940 | Veterinary Services | 8 | $1.6M | $202K | 10.0% |
| 624410 | Child Day Care Services | 8 | $2.6M | $325K | 10.0% |
| 459510 | Other | 8 | $846K | $106K | 10.0% |
| 512132 | Drive-In Motion Picture Theaters | 8 | $2.5M | $307K | 10.0% |
Geographic Distribution
SBA lending activity for The Paducah Bank and Trust Company by state
| State | Loans | Volume | Share |
|---|---|---|---|
| Kentucky (KY) | 80 | $17.4M | 100.0% |
Why Choose The Paducah Bank and Trust Company?
Based on SBA 7(a) lending track record from 2020-2025
- ✓Proven Track Record: 80 SBA loans approved, totaling $17.4M in financing
- ✓Industry Expertise: Specialized focus on Other Building Finishing Contractors, Limited-Service Restaurants, Offices of Dentists
- ✓Competitive Terms: Average interest rate of 6.74% with flexible term lengths averaging 106 months
- ✓Loan Range: Loan sizes from $20K to $350K, with an average of $218K
- ✓Nationwide Reach: Active lending in 1 states, with strong presence in KY
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 Paducah Bank and Trust Company SBA lending
What types of businesses does The Paducah Bank and Trust Company typically finance?
The Paducah Bank and Trust Company specializes in SBA 7(a) lending to specific industries including other building finishing contractors, limited-service restaurants, offices of dentists, veterinary services. They have developed expertise in these sectors and understand the unique financial characteristics of each industry.
What are The Paducah Bank and Trust Company's typical SBA loan terms?
The Paducah Bank and Trust Company's SBA 7(a) loans typically feature an average interest rate of 6.74% and average term length of 106 months (approximately 9 years). Loan sizes range from $20K to $350K, with an average loan size of $218K.
Do I need a business valuation for a The Paducah Bank and Trust Company SBA loan?
Yes, The Paducah Bank and Trust 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 Paducah Bank and Trust Company compare to other SBA lenders?
The Paducah Bank and Trust Company has originated 80 SBA loans totaling $17.4M 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 Paducah Bank and Trust Company lend in?
The Paducah Bank and Trust Company provides SBA 7(a) financing with particularly strong presence in KY. Based on their lending history, they have experience with diverse state-specific business regulations and licensing requirements.
Research Your Target Industry Before Applying
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