Vallant Bank
SBA 7(a) Lending Profile · All Time analysis
Industry Focus
Top industries served by Vallant Bank · All Time
| NAICS | Industry | Loans | Volume | Avg Loan | Share |
|---|---|---|---|---|---|
| 722511 | Full-Service Restaurants | 19 | $14.4M | $760K | 10.3% |
| 713940 | Fitness and Recreational Sports Centers | 8 | $10.1M | $1.3M | 4.3% |
| 624410 | Child Care Services | 6 | $14.4M | $2.4M | 3.3% |
| 623312 | Assisted Living Facilities for the Elderly | 6 | $14.8M | $2.5M | 3.3% |
| 811111 | General Automotive Repair | 5 | $5.5M | $1.1M | 2.7% |
| 722513 | Limited-Service Restaurants | 4 | $3.2M | $791K | 2.2% |
| 238990 | All Other Specialty Trade Contractors | 4 | $1.7M | $417K | 2.2% |
| 445320 | Beer, Wine, and Liquor Retailers | 3 | $3.2M | $1.1M | 1.6% |
| 812199 | Other Personal Care Services | 3 | $2.4M | $802K | 1.6% |
| 561730 | Landscaping Services | 3 | $4.6M | $1.5M | 1.6% |
Geographic Distribution
SBA lending activity for Vallant Bank by state
| State | Loans | Volume | Share |
|---|---|---|---|
| Georgia (GA) | 174 | $170.3M | 94.6% |
| South Carolina (SC) | 3 | $5.2M | 1.6% |
| North Carolina (NC) | 5 | $3.9M | 2.7% |
| Alabama (AL) | 1 | $2.0M | 0.5% |
| Florida (FL) | 1 | $1.4M | 0.5% |
Why Choose Vallant Bank?
Based on SBA 7(a) lending track record from 1991-2026
- ✓Proven Track Record: 184 SBA loans approved, totaling $182.8M in financing
- ✓Industry Expertise: Specialized focus on Full-Service Restaurants, Fitness and Recreational Sports Centers, Child Care Services
- ✓Competitive Terms: Average interest rate of 7.38% with flexible term lengths averaging 165 months
- ✓Loan Range: Loan sizes from $19K to $5.0M, with an average of $993K
- ✓Nationwide Reach: Active lending in 5 states, with strong presence in GA, NC, SC
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 Vallant Bank SBA lending
What types of businesses does Vallant Bank typically finance?
Vallant Bank specializes in SBA 7(a) lending to specific industries including full-service restaurants, fitness and recreational sports centers, child care services, assisted living facilities for the elderly. They have developed expertise in these sectors and understand the unique financial characteristics of each industry.
What are Vallant Bank's typical SBA loan terms?
Vallant Bank's SBA 7(a) loans typically feature an average interest rate of 7.38% and average term length of 165 months (approximately 14 years). Loan sizes range from $19K to $5.0M, with an average loan size of $993K.
Do I need a business valuation for a Vallant Bank SBA loan?
Yes, Vallant 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 Vallant Bank compare to other SBA lenders?
Vallant Bank has originated 184 SBA loans totaling $182.8M since 1991. 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 Vallant Bank lend in?
Vallant Bank provides SBA 7(a) financing with particularly strong presence in GA, NC, SC, AL, 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?
Certified valuations are often required for SBA loans over $250,000.
Get your certified valuation from Fair Market Value.