Ventura National Bank and Trust
SBA 7(a) Lending Profile · All Time analysis
Industry Focus
Top industries served by Ventura National Bank and Trust · All Time
| NAICS | Industry | Loans | Volume | Avg Loan | Share |
|---|---|---|---|---|---|
| 484121 | General Freight Trucking, Long-Distance, Truckload | 6 | $301K | $50K | 25.0% |
| 541320 | Landscape Architectural Services | 2 | $304K | $152K | 8.3% |
| 621310 | Offices of Chiropractors | 2 | $109K | $55K | 8.3% |
| 238210 | Electrical Contractors and Other Wiring Installation Contractors | 1 | $215K | $215K | 4.2% |
| 115112 | Soil Preparation, Planting, and Cultivating | 1 | $350K | $350K | 4.2% |
| 238910 | Site Preparation Contractors | 1 | $500K | $500K | 4.2% |
Geographic Distribution
SBA lending activity for Ventura National Bank and Trust by state
| State | Loans | Volume | Share |
|---|---|---|---|
| Kansas (KS) | 23 | $2.6M | 95.8% |
| Indiana (IN) | 1 | $500K | 4.2% |
Why Choose Ventura National Bank and Trust?
Based on SBA 7(a) lending track record from 1991-2025
- ✓Proven Track Record: 24 SBA loans approved, totaling $3.1M in financing
- ✓Industry Expertise: Specialized focus on General Freight Trucking, Long-Distance, Truckload, Landscape Architectural Services, Offices of Chiropractors
- ✓Competitive Terms: Average interest rate of 6.35% with flexible term lengths averaging 107 months
- ✓Loan Range: Loan sizes from $25K to $500K, with an average of $128K
- ✓Nationwide Reach: Active lending in 2 states, with strong presence in KS, IN
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 Ventura National Bank and Trust SBA lending
What types of businesses does Ventura National Bank and Trust typically finance?
Ventura National Bank and Trust specializes in SBA 7(a) lending to specific industries including general freight trucking, long-distance, truckload, landscape architectural services, offices of chiropractors, electrical contractors and other wiring installation contractors. They have developed expertise in these sectors and understand the unique financial characteristics of each industry.
What are Ventura National Bank and Trust's typical SBA loan terms?
Ventura National Bank and Trust's SBA 7(a) loans typically feature an average interest rate of 6.35% and average term length of 107 months (approximately 9 years). Loan sizes range from $25K to $500K, with an average loan size of $128K.
Do I need a business valuation for a Ventura National Bank and Trust SBA loan?
Yes, Ventura National Bank and 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 Ventura National Bank and Trust compare to other SBA lenders?
Ventura National Bank and Trust has originated 24 SBA loans totaling $3.1M 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 Ventura National Bank and Trust lend in?
Ventura National Bank and Trust provides SBA 7(a) financing with particularly strong presence in KS, IN. 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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