Valley Bank of Ronan
SBA 7(a) Lending Profile · FY 2021 analysis
Industry Focus
Top industries served by Valley Bank of Ronan
| NAICS | Industry | Loans | Volume | Avg Loan | Share |
|---|---|---|---|---|---|
| 236115 | New Single-Family Housing Construction (except Operative Builders) | 24 | $3.1M | $131K | 6.5% |
| 113310 | Logging | 16 | $616K | $39K | 4.3% |
| 722511 | Full-Service Restaurants | 16 | $4.2M | $260K | 4.3% |
| 424520 | Livestock Merchant Wholesalers | 16 | $1.2M | $74K | 4.3% |
| 115210 | Support Activities for Animal Production | 16 | $1.6M | $98K | 4.3% |
| 531120 | Lessors of Nonresidential Buildings (except Miniwarehouses) | 16 | $3.0M | $185K | 4.3% |
| 541940 | Veterinary Services | 16 | $16.2M | $1.0M | 4.3% |
| 453910 | Pet and Pet Supplies Stores | 16 | $2.6M | $163K | 4.3% |
| 237110 | Water and Sewer Line and Related Structures Construction | 8 | $14.2M | $1.8M | 2.2% |
| 722320 | Caterers | 8 | $2.2M | $280K | 2.2% |
Geographic Distribution
SBA lending activity for Valley Bank of Ronan by state
| State | Loans | Volume | Share |
|---|---|---|---|
| Montana (MT) | 360 | $113.8M | 97.8% |
| California (CA) | 8 | $14.4M | 2.2% |
Why Choose Valley Bank of Ronan?
Based on SBA 7(a) lending track record from 2020-2025
- ✓Proven Track Record: 368 SBA loans approved, totaling $128.2M in financing
- ✓Industry Expertise: Specialized focus on New Single-Family Housing Construction (except Operative Builders), Logging, Full-Service Restaurants
- ✓Competitive Terms: Average interest rate of 6.11% with flexible term lengths averaging 144 months
- ✓Loan Range: Loan sizes from $22K to $1.9M, with an average of $348K
- ✓Nationwide Reach: Active lending in 2 states, with strong presence in MT, CA
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 Valley Bank of Ronan SBA lending
What types of businesses does Valley Bank of Ronan typically finance?
Valley Bank of Ronan specializes in SBA 7(a) lending to specific industries including new single-family housing construction (except operative builders), logging, full-service restaurants, livestock merchant wholesalers. They have developed expertise in these sectors and understand the unique financial characteristics of each industry.
What are Valley Bank of Ronan's typical SBA loan terms?
Valley Bank of Ronan's SBA 7(a) loans typically feature an average interest rate of 6.11% and average term length of 144 months (approximately 12 years). Loan sizes range from $22K to $1.9M, with an average loan size of $348K.
Do I need a business valuation for a Valley Bank of Ronan SBA loan?
Yes, Valley Bank of Ronan 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 Valley Bank of Ronan compare to other SBA lenders?
Valley Bank of Ronan has originated 368 SBA loans totaling $128.2M 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 Valley Bank of Ronan lend in?
Valley Bank of Ronan provides SBA 7(a) financing with particularly strong presence in MT, CA. 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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