Town and Country CU
SBA 7(a) Lending Profile · All Time analysis
Industry Focus
Top industries served by Town and Country CU
| NAICS | Industry | Loans | Volume | Avg Loan | Share |
|---|---|---|---|---|---|
| 722513 | Limited-Service Restaurants | 32 | $2.8M | $87K | 9.1% |
| 722511 | Full-Service Restaurants | 32 | $1.7M | $52K | 9.1% |
| 624410 | Child Day Care Services | 16 | $280K | $18K | 4.5% |
| 621399 | Offices of All Other Miscellaneous Health Practitioners | 16 | $2.7M | $168K | 4.5% |
| 312120 | Breweries | 16 | $2.9M | $184K | 4.5% |
| 453998 | All Other Miscellaneous Store Retailers (except Tobacco Stores) | 16 | $2.6M | $165K | 4.5% |
| 445298 | Other | 16 | $1.5M | $93K | 4.5% |
| 238160 | Roofing Contractors | 16 | $4.0M | $250K | 4.5% |
| 513120 | Television Broadcasting | 16 | $1.2M | $75K | 4.5% |
| 541211 | Offices of Certified Public Accountants | 16 | $1.0M | $63K | 4.5% |
Geographic Distribution
SBA lending activity for Town and Country CU by state
| State | Loans | Volume | Share |
|---|---|---|---|
| North Dakota (ND) | 280 | $47.6M | 79.5% |
| Minnesota (MN) | 72 | $6.0M | 20.5% |
Why Choose Town and Country CU?
Based on SBA 7(a) lending track record from 2020-2025
- ✓Proven Track Record: 352 SBA loans approved, totaling $53.6M in financing
- ✓Industry Expertise: Specialized focus on Limited-Service Restaurants, Full-Service Restaurants, Child Day Care Services
- ✓Competitive Terms: Average interest rate of 7.35% with flexible term lengths averaging 80 months
- ✓Loan Range: Loan sizes from $9K to $775K, with an average of $152K
- ✓Nationwide Reach: Active lending in 2 states, with strong presence in ND, MN
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 Town and Country CU SBA lending
What types of businesses does Town and Country CU typically finance?
Town and Country CU specializes in SBA 7(a) lending to specific industries including limited-service restaurants, full-service restaurants, child day care services, offices of all other miscellaneous health practitioners. They have developed expertise in these sectors and understand the unique financial characteristics of each industry.
What are Town and Country CU's typical SBA loan terms?
Town and Country CU's SBA 7(a) loans typically feature an average interest rate of 7.35% and average term length of 80 months (approximately 7 years). Loan sizes range from $9K to $775K, with an average loan size of $152K.
Do I need a business valuation for a Town and Country CU SBA loan?
Yes, Town and Country CU 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 Town and Country CU compare to other SBA lenders?
Town and Country CU has originated 352 SBA loans totaling $53.6M 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 Town and Country CU lend in?
Town and Country CU provides SBA 7(a) financing with particularly strong presence in ND, MN. 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.
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