Village Bank
SBA 7(a) Lending Profile · FY 2021 analysis
Industry Focus
Top industries served by Village Bank
| NAICS | Industry | Loans | Volume | Avg Loan | Share |
|---|---|---|---|---|---|
| 722511 | Full-Service Restaurants | 96 | $117.4M | $1.2M | 8.8% |
| 238990 | All Other Specialty Trade Contractors | 48 | $43.1M | $897K | 4.4% |
| 332710 | Machine Shops | 40 | $40.1M | $1.0M | 3.6% |
| 238220 | Plumbing, Heating, and Air-Conditioning Contractors | 40 | $17.9M | $447K | 3.6% |
| 812199 | Other Personal Care Services | 32 | $13.6M | $424K | 2.9% |
| 812310 | Coin-Operated Laundries and Drycleaners | 32 | $14.4M | $450K | 2.9% |
| 484220 | Specialized Freight (except Used Goods) Trucking, Local | 32 | $62.6M | $2.0M | 2.9% |
| 561790 | Other Services to Buildings and Dwellings | 24 | $6.6M | $274K | 2.2% |
| 236118 | Residential Remodelers | 24 | $11.2M | $467K | 2.2% |
| 722513 | Limited-Service Restaurants | 24 | $3.3M | $136K | 2.2% |
Geographic Distribution
SBA lending activity for Village Bank by state
| State | Loans | Volume | Share |
|---|---|---|---|
| Minnesota (MN) | 1,040 | $804.9M | 94.9% |
| Wisconsin (WI) | 48 | $42.4M | 4.4% |
| Florida (FL) | 8 | $810K | 0.7% |
Why Choose Village Bank?
Based on SBA 7(a) lending track record from 2020-2025
- ✓Proven Track Record: 1,096 SBA loans approved, totaling $848.1M in financing
- ✓Industry Expertise: Specialized focus on Full-Service Restaurants, All Other Specialty Trade Contractors, Machine Shops
- ✓Competitive Terms: Average interest rate of 6.33% with flexible term lengths averaging 140 months
- ✓Loan Range: Loan sizes from $46K to $4.6M, with an average of $774K
- ✓Nationwide Reach: Active lending in 3 states, with strong presence in MN, WI, FL
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 SBA lending
What types of businesses does Village Bank typically finance?
Village Bank specializes in SBA 7(a) lending to specific industries including full-service restaurants, all other specialty trade contractors, machine shops, plumbing, heating, and air-conditioning contractors. They have developed expertise in these sectors and understand the unique financial characteristics of each industry.
What are Village Bank's typical SBA loan terms?
Village Bank's SBA 7(a) loans typically feature an average interest rate of 6.33% and average term length of 140 months (approximately 12 years). Loan sizes range from $46K to $4.6M, with an average loan size of $774K.
Do I need a business valuation for a Village Bank SBA loan?
Yes, Village 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 Village Bank compare to other SBA lenders?
Village Bank has originated 1,096 SBA loans totaling $848.1M 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 lend in?
Village Bank provides SBA 7(a) financing with particularly strong presence in MN, WI, 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?
Professional valuations are often required for SBA loans over $250,000.
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