The Victory Bank
SBA 7(a) Lending Profile · FY 2022 analysis
Industry Focus
Top industries served by The Victory Bank
| NAICS | Industry | Loans | Volume | Avg Loan | Share |
|---|---|---|---|---|---|
| 722511 | Full-Service Restaurants | 32 | $22.4M | $699K | 16.0% |
| 423860 | Transportation Equipment and Supplies (except Motor Vehicle) Merchant | 16 | $10.7M | $668K | 8.0% |
| 459310 | Other | 16 | $6.0M | $378K | 8.0% |
| 445291 | Baked Goods Stores | 16 | $14.9M | $933K | 8.0% |
| 713940 | Fitness and Recreational Sports Centers | 16 | $1.6M | $100K | 8.0% |
| 811111 | General Automotive Repair | 16 | $3.6M | $227K | 8.0% |
| 339992 | Musical Instrument Manufacturing | 8 | $2.8M | $350K | 4.0% |
| 238220 | Plumbing, Heating, and Air-Conditioning Contractors | 8 | $2.0M | $250K | 4.0% |
| 811192 | Car Washes | 8 | $5.5M | $689K | 4.0% |
| 541330 | Engineering Services | 8 | $800K | $100K | 4.0% |
Geographic Distribution
SBA lending activity for The Victory Bank by state
| State | Loans | Volume | Share |
|---|---|---|---|
| Pennsylvania (PA) | 192 | $82.9M | 96.0% |
| New Jersey (NJ) | 8 | $800K | 4.0% |
Why Choose The Victory Bank?
Based on SBA 7(a) lending track record from 2020-2025
- ✓Proven Track Record: 200 SBA loans approved, totaling $83.7M in financing
- ✓Industry Expertise: Specialized focus on Full-Service Restaurants, Transportation Equipment and Supplies (except Motor Vehicle) Merchant , Other
- ✓Competitive Terms: Average interest rate of 8.65% with flexible term lengths averaging 155 months
- ✓Loan Range: Loan sizes from $50K to $1.8M, with an average of $418K
- ✓Nationwide Reach: Active lending in 2 states, with strong presence in PA, NJ
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 Victory Bank SBA lending
What types of businesses does The Victory Bank typically finance?
The Victory Bank specializes in SBA 7(a) lending to specific industries including full-service restaurants, transportation equipment and supplies (except motor vehicle) merchant , other, baked goods stores. They have developed expertise in these sectors and understand the unique financial characteristics of each industry.
What are The Victory Bank's typical SBA loan terms?
The Victory Bank's SBA 7(a) loans typically feature an average interest rate of 8.65% and average term length of 155 months (approximately 13 years). Loan sizes range from $50K to $1.8M, with an average loan size of $418K.
Do I need a business valuation for a The Victory Bank SBA loan?
Yes, The Victory 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 Victory Bank compare to other SBA lenders?
The Victory Bank has originated 200 SBA loans totaling $83.7M 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 Victory Bank lend in?
The Victory Bank provides SBA 7(a) financing with particularly strong presence in PA, NJ. 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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