U.S. Century Bank
SBA 7(a) Lending Profile · All Time analysis
Industry Focus
Top industries served by U.S. Century Bank
| NAICS | Industry | Loans | Volume | Avg Loan | Share |
|---|---|---|---|---|---|
| 722511 | Full-Service Restaurants | 32 | $55.1M | $1.7M | 7.3% |
| 488190 | Other Support Activities for Air Transportation | 24 | $68.0M | $2.8M | 5.5% |
| 624410 | Child Day Care Services | 24 | $45.4M | $1.9M | 5.5% |
| 322299 | All Other Converted Paper Product Manufacturing | 16 | $24.0M | $1.5M | 3.6% |
| 237130 | Power and Communication Line and Related Structures Construction | 16 | $48.0M | $3.0M | 3.6% |
| 424930 | Flower, Nursery Stock, and Florists' Supplies Merchant Wholesalers | 16 | $8.6M | $535K | 3.6% |
| 336413 | Other Aircraft Parts and Auxiliary Equipment Manufacturing | 16 | $51.2M | $3.2M | 3.6% |
| 325412 | Pharmaceutical Preparation Manufacturing | 16 | $40.4M | $2.5M | 3.6% |
| 621610 | Home Health Care Services | 16 | $27.9M | $1.7M | 3.6% |
| 337110 | Wood Kitchen Cabinet and Countertop Manufacturing | 16 | $6.6M | $410K | 3.6% |
Geographic Distribution
SBA lending activity for U.S. Century Bank by state
| State | Loans | Volume | Share |
|---|---|---|---|
| Florida (FL) | 432 | $880.5M | 98.2% |
| Tennessee (TN) | 8 | $2.8M | 1.8% |
Why Choose U.S. Century Bank?
Based on SBA 7(a) lending track record from 2020-2025
- ✓Proven Track Record: 440 SBA loans approved, totaling $883.3M in financing
- ✓Industry Expertise: Specialized focus on Full-Service Restaurants, Other Support Activities for Air Transportation, Child Day Care Services
- ✓Competitive Terms: Average interest rate of 8.06% with flexible term lengths averaging 192 months
- ✓Loan Range: Loan sizes from $290K to $5.0M, with an average of $2.0M
- ✓Nationwide Reach: Active lending in 2 states, with strong presence in FL, TN
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 U.S. Century Bank SBA lending
What types of businesses does U.S. Century Bank typically finance?
U.S. Century Bank specializes in SBA 7(a) lending to specific industries including full-service restaurants, other support activities for air transportation, child day care services, all other converted paper product manufacturing. They have developed expertise in these sectors and understand the unique financial characteristics of each industry.
What are U.S. Century Bank's typical SBA loan terms?
U.S. Century Bank's SBA 7(a) loans typically feature an average interest rate of 8.06% and average term length of 192 months (approximately 16 years). Loan sizes range from $290K to $5.0M, with an average loan size of $2.0M.
Do I need a business valuation for a U.S. Century Bank SBA loan?
Yes, U.S. Century 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 U.S. Century Bank compare to other SBA lenders?
U.S. Century Bank has originated 440 SBA loans totaling $883.3M 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 U.S. Century Bank lend in?
U.S. Century Bank provides SBA 7(a) financing with particularly strong presence in FL, TN. 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.