Timberline Bank
SBA 7(a) Lending Profile · FY 2025 analysis
Industry Focus
Top industries served by Timberline Bank
| NAICS | Industry | Loans | Volume | Avg Loan | Share |
|---|---|---|---|---|---|
| 722513 | Limited-Service Restaurants | 40 | $35.0M | $876K | 7.0% |
| 238220 | Plumbing, Heating, and Air-Conditioning Contractors | 24 | $3.2M | $132K | 4.2% |
| 212321 | Construction Sand and Gravel Mining | 24 | $4.1M | $171K | 4.2% |
| 721110 | Hotels (except Casino Hotels) and Motels | 24 | $34.4M | $1.4M | 4.2% |
| 532412 | Construction, Mining, and Forestry Machinery and Equipment Rental and | 24 | $8.7M | $361K | 4.2% |
| 561730 | Landscaping Services | 24 | $14.4M | $600K | 4.2% |
| 531120 | Lessors of Nonresidential Buildings (except Miniwarehouses) | 24 | $14.3M | $597K | 4.2% |
| 237990 | Other Heavy and Civil Engineering Construction | 24 | $12.4M | $518K | 4.2% |
| 492110 | Couriers | 16 | $6.3M | $394K | 2.8% |
| 621610 | Home Health Care Services | 16 | $4.9M | $309K | 2.8% |
Geographic Distribution
SBA lending activity for Timberline Bank by state
| State | Loans | Volume | Share |
|---|---|---|---|
| Colorado (CO) | 544 | $341.8M | 95.8% |
| California (CA) | 8 | $30.4M | 1.4% |
| Texas (TX) | 8 | $560K | 1.4% |
| Florida (FL) | 8 | $560K | 1.4% |
Why Choose Timberline Bank?
Based on SBA 7(a) lending track record from 2020-2025
- ✓Proven Track Record: 568 SBA loans approved, totaling $373.3M in financing
- ✓Industry Expertise: Specialized focus on Limited-Service Restaurants, Plumbing, Heating, and Air-Conditioning Contractors, Construction Sand and Gravel Mining
- ✓Competitive Terms: Average interest rate of 5.80% with flexible term lengths averaging 158 months
- ✓Loan Range: Loan sizes from $25K to $4.6M, with an average of $657K
- ✓Nationwide Reach: Active lending in 4 states, with strong presence in CO, CA, 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 Timberline Bank SBA lending
What types of businesses does Timberline Bank typically finance?
Timberline Bank specializes in SBA 7(a) lending to specific industries including limited-service restaurants, plumbing, heating, and air-conditioning contractors, construction sand and gravel mining, hotels (except casino hotels) and motels. They have developed expertise in these sectors and understand the unique financial characteristics of each industry.
What are Timberline Bank's typical SBA loan terms?
Timberline Bank's SBA 7(a) loans typically feature an average interest rate of 5.80% and average term length of 158 months (approximately 13 years). Loan sizes range from $25K to $4.6M, with an average loan size of $657K.
Do I need a business valuation for a Timberline Bank SBA loan?
Yes, Timberline 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 Timberline Bank compare to other SBA lenders?
Timberline Bank has originated 568 SBA loans totaling $373.3M 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 Timberline Bank lend in?
Timberline Bank provides SBA 7(a) financing with particularly strong presence in CO, CA, TX, FL. 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.