Village Bank and Trust, National Association
SBA 7(a) Lending Profile · All Time analysis
Industry Focus
Top industries served by Village Bank and Trust, National Association
| NAICS | Industry | Loans | Volume | Avg Loan | Share |
|---|---|---|---|---|---|
| 722513 | Limited-Service Restaurants | 232 | $97.1M | $418K | 10.9% |
| 722511 | Full-Service Restaurants | 160 | $102.7M | $642K | 7.5% |
| 484110 | General Freight Trucking, Local | 80 | $32.1M | $401K | 3.8% |
| 561730 | Landscaping Services | 72 | $52.0M | $723K | 3.4% |
| 238990 | All Other Specialty Trade Contractors | 72 | $73.9M | $1.0M | 3.4% |
| 812990 | All Other Personal Services | 72 | $28.1M | $391K | 3.4% |
| 621210 | Offices of Dentists | 72 | $54.4M | $755K | 3.4% |
| 621111 | Offices of Physicians (except Mental Health Specialists) | 56 | $29.7M | $531K | 2.6% |
| 236220 | Commercial and Institutional Building Construction | 40 | $23.2M | $581K | 1.9% |
| 484121 | General Freight Trucking, Long Distance, Truckload | 40 | $30.0M | $751K | 1.9% |
Geographic Distribution
SBA lending activity for Village Bank and Trust, National Association by state
| State | Loans | Volume | Share |
|---|---|---|---|
| Illinois (IL) | 1,792 | $1.13B | 84.5% |
| Indiana (IN) | 64 | $52.3M | 3.0% |
| Wisconsin (WI) | 56 | $38.8M | 2.6% |
| Missouri (MO) | 24 | $29.6M | 1.1% |
| California (CA) | 40 | $29.4M | 1.9% |
| Pennsylvania (PA) | 16 | $28.0M | 0.8% |
| District of Columbia (DC) | 8 | $12.4M | 0.4% |
| Texas (TX) | 40 | $11.9M | 1.9% |
| Georgia (GA) | 16 | $10.4M | 0.8% |
| Tennessee (TN) | 24 | $9.6M | 1.1% |
| Colorado (CO) | 8 | $7.8M | 0.4% |
| Ohio (OH) | 8 | $4.5M | 0.4% |
| Florida (FL) | 8 | $4.0M | 0.4% |
| Virginia (VA) | 8 | $3.4M | 0.4% |
| New Jersey (NJ) | 8 | $2.4M | 0.4% |
Why Choose Village Bank and Trust, National Association?
Based on SBA 7(a) lending track record from 2020-2025
- ✓Proven Track Record: 2,120 SBA loans approved, totaling $1.37B in financing
- ✓Industry Expertise: Specialized focus on Limited-Service Restaurants, Full-Service Restaurants, General Freight Trucking, Local
- ✓Competitive Terms: Average interest rate of 6.76% with flexible term lengths averaging 121 months
- ✓Loan Range: Loan sizes from $25K to $5.0M, with an average of $647K
- ✓Nationwide Reach: Active lending in 15 states, with strong presence in IL, IN, WI
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 Village Bank and Trust, National Association SBA lending
What types of businesses does Village Bank and Trust, National Association typically finance?
Village Bank and Trust, National Association specializes in SBA 7(a) lending to specific industries including limited-service restaurants, full-service restaurants, general freight trucking, local, landscaping services. They have developed expertise in these sectors and understand the unique financial characteristics of each industry.
What are Village Bank and Trust, National Association's typical SBA loan terms?
Village Bank and Trust, National Association's SBA 7(a) loans typically feature an average interest rate of 6.76% and average term length of 121 months (approximately 10 years). Loan sizes range from $25K to $5.0M, with an average loan size of $647K.
Do I need a business valuation for a Village Bank and Trust, National Association SBA loan?
Yes, Village Bank and Trust, National Association 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 Village Bank and Trust, National Association compare to other SBA lenders?
Village Bank and Trust, National Association has originated 2,120 SBA loans totaling $1.37B 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 Village Bank and Trust, National Association lend in?
Village Bank and Trust, National Association provides SBA 7(a) financing with particularly strong presence in IL, IN, WI, CA, TX. 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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