Twin Cedars Bank
SBA 7(a) Lending Profile · All Time analysis
Industry Focus
Top industries served by Twin Cedars Bank
| NAICS | Industry | Loans | Volume | Avg Loan | Share |
|---|---|---|---|---|---|
| 454390 | Other Direct Selling Establishments | 16 | $5.2M | $324K | 33.3% |
| 722513 | Limited-Service Restaurants | 16 | $2.2M | $136K | 33.3% |
| 513210 | Cable Networks | 8 | $8.0M | $1.0M | 16.7% |
| 621330 | Offices of Mental Health Practitioners (except Physicians) | 8 | $960K | $120K | 16.7% |
Geographic Distribution
SBA lending activity for Twin Cedars Bank by state
| State | Loans | Volume | Share |
|---|---|---|---|
| Iowa (IA) | 48 | $16.3M | 100.0% |
Why Choose Twin Cedars Bank?
Based on SBA 7(a) lending track record from 2020-2025
- ✓Proven Track Record: 48 SBA loans approved, totaling $16.3M in financing
- ✓Industry Expertise: Specialized focus on Other Direct Selling Establishments, Limited-Service Restaurants, Cable Networks
- ✓Competitive Terms: Average interest rate of 9.13% with flexible term lengths averaging 121 months
- ✓Loan Range: Loan sizes from $10K to $1.0M, with an average of $340K
- ✓Nationwide Reach: Active lending in 1 states, with strong presence in IA
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 Twin Cedars Bank SBA lending
What types of businesses does Twin Cedars Bank typically finance?
Twin Cedars Bank specializes in SBA 7(a) lending to specific industries including other direct selling establishments, limited-service restaurants, cable networks, offices of mental health practitioners (except physicians). They have developed expertise in these sectors and understand the unique financial characteristics of each industry.
What are Twin Cedars Bank's typical SBA loan terms?
Twin Cedars Bank's SBA 7(a) loans typically feature an average interest rate of 9.13% and average term length of 121 months (approximately 10 years). Loan sizes range from $10K to $1.0M, with an average loan size of $340K.
Do I need a business valuation for a Twin Cedars Bank SBA loan?
Yes, Twin Cedars 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 Twin Cedars Bank compare to other SBA lenders?
Twin Cedars Bank has originated 48 SBA loans totaling $16.3M 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 Twin Cedars Bank lend in?
Twin Cedars Bank provides SBA 7(a) financing with particularly strong presence in IA. 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.