The Stephenson National Bank and Trust
SBA 7(a) Lending Profile · All Time analysis
Industry Focus
Top industries served by The Stephenson National Bank and Trust
| NAICS | Industry | Loans | Volume | Avg Loan | Share |
|---|---|---|---|---|---|
| 721110 | Hotels (except Casino Hotels) and Motels | 56 | $62.1M | $1.1M | 11.1% |
| 713940 | Fitness and Recreational Sports Centers | 32 | $5.7M | $178K | 6.3% |
| 811111 | General Automotive Repair | 32 | $24.9M | $777K | 6.3% |
| 457110 | Other | 24 | $10.4M | $432K | 4.8% |
| 722410 | Drinking Places (Alcoholic Beverages) | 24 | $2.7M | $111K | 4.8% |
| 722511 | Full-Service Restaurants | 24 | $4.4M | $181K | 4.8% |
| 524210 | Insurance Agencies and Brokerages | 16 | $9.7M | $604K | 3.2% |
| 332710 | Machine Shops | 16 | $12.8M | $800K | 3.2% |
| 448120 | Women's Clothing Stores | 16 | $2.4M | $150K | 3.2% |
| 722513 | Limited-Service Restaurants | 16 | $1.9M | $120K | 3.2% |
Geographic Distribution
SBA lending activity for The Stephenson National Bank and Trust by state
| State | Loans | Volume | Share |
|---|---|---|---|
| Wisconsin (WI) | 400 | $199.5M | 79.4% |
| Michigan (MI) | 96 | $43.6M | 19.0% |
| Texas (TX) | 8 | $10.0M | 1.6% |
Why Choose The Stephenson National Bank and Trust?
Based on SBA 7(a) lending track record from 2020-2025
- ✓Proven Track Record: 504 SBA loans approved, totaling $253.1M in financing
- ✓Industry Expertise: Specialized focus on Hotels (except Casino Hotels) and Motels, Fitness and Recreational Sports Centers, General Automotive Repair
- ✓Competitive Terms: Average interest rate of 5.97% with flexible term lengths averaging 157 months
- ✓Loan Range: Loan sizes from $15K to $3.4M, with an average of $502K
- ✓Nationwide Reach: Active lending in 3 states, with strong presence in WI, MI, TX
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 Stephenson National Bank and Trust SBA lending
What types of businesses does The Stephenson National Bank and Trust typically finance?
The Stephenson National Bank and Trust specializes in SBA 7(a) lending to specific industries including hotels (except casino hotels) and motels, fitness and recreational sports centers, general automotive repair, other. They have developed expertise in these sectors and understand the unique financial characteristics of each industry.
What are The Stephenson National Bank and Trust's typical SBA loan terms?
The Stephenson National Bank and Trust's SBA 7(a) loans typically feature an average interest rate of 5.97% and average term length of 157 months (approximately 13 years). Loan sizes range from $15K to $3.4M, with an average loan size of $502K.
Do I need a business valuation for a The Stephenson National Bank and Trust SBA loan?
Yes, The Stephenson National Bank and Trust 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 Stephenson National Bank and Trust compare to other SBA lenders?
The Stephenson National Bank and Trust has originated 504 SBA loans totaling $253.1M 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 Stephenson National Bank and Trust lend in?
The Stephenson National Bank and Trust provides SBA 7(a) financing with particularly strong presence in WI, MI, TX. 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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