Two Rivers Bank & Trust
SBA 7(a) Lending Profile · FY 2021 analysis
Industry Focus
Top industries served by Two Rivers Bank & Trust
| NAICS | Industry | Loans | Volume | Avg Loan | Share |
|---|---|---|---|---|---|
| 722511 | Full-Service Restaurants | 32 | $10.9M | $339K | 10.5% |
| 722513 | Limited-Service Restaurants | 24 | $5.7M | $236K | 7.9% |
| 339112 | Surgical and Medical Instrument Manufacturing | 16 | $6.1M | $381K | 5.3% |
| 621310 | Offices of Chiropractors | 16 | $1.2M | $78K | 5.3% |
| 812112 | Beauty Salons | 16 | $3.8M | $235K | 5.3% |
| 713940 | Fitness and Recreational Sports Centers | 16 | $4.4M | $275K | 5.3% |
| 722320 | Caterers | 8 | $1.7M | $211K | 2.6% |
| 811121 | Automotive Body, Paint, and Interior Repair and Maintenance | 8 | $3.2M | $395K | 2.6% |
| 323111 | Commercial Gravure Printing | 8 | $2.3M | $288K | 2.6% |
| 812111 | Barber Shops | 8 | $520K | $65K | 2.6% |
Geographic Distribution
SBA lending activity for Two Rivers Bank & Trust by state
| State | Loans | Volume | Share |
|---|---|---|---|
| Iowa (IA) | 304 | $126.7M | 100.0% |
Why Choose Two Rivers Bank & Trust?
Based on SBA 7(a) lending track record from 2020-2025
- ✓Proven Track Record: 304 SBA loans approved, totaling $126.7M in financing
- ✓Industry Expertise: Specialized focus on Full-Service Restaurants, Limited-Service Restaurants, Surgical and Medical Instrument Manufacturing
- ✓Competitive Terms: Average interest rate of 7.72% with flexible term lengths averaging 132 months
- ✓Loan Range: Loan sizes from $35K to $2.3M, with an average of $417K
- ✓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 Two Rivers Bank & Trust SBA lending
What types of businesses does Two Rivers Bank & Trust typically finance?
Two Rivers Bank & Trust specializes in SBA 7(a) lending to specific industries including full-service restaurants, limited-service restaurants, surgical and medical instrument manufacturing, offices of chiropractors. They have developed expertise in these sectors and understand the unique financial characteristics of each industry.
What are Two Rivers Bank & Trust's typical SBA loan terms?
Two Rivers Bank & Trust's SBA 7(a) loans typically feature an average interest rate of 7.72% and average term length of 132 months (approximately 11 years). Loan sizes range from $35K to $2.3M, with an average loan size of $417K.
Do I need a business valuation for a Two Rivers Bank & Trust SBA loan?
Yes, Two Rivers Bank & 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 Two Rivers Bank & Trust compare to other SBA lenders?
Two Rivers Bank & Trust has originated 304 SBA loans totaling $126.7M 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 Two Rivers Bank & Trust lend in?
Two Rivers Bank & Trust 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.
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Professional valuations are often required for SBA loans over $250,000.
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