Vista National Bank and Trust
SBA 7(a) Lending Profile · FY 2025 analysis
Industry Focus
Top industries served by Vista National Bank and Trust
| NAICS | Industry | Loans | Volume | Avg Loan | Share |
|---|---|---|---|---|---|
| 722513 | Limited-Service Restaurants | 8 | $4.6M | $570K | 50.0% |
| 238910 | Site Preparation Contractors | 8 | $4.0M | $500K | 50.0% |
Geographic Distribution
SBA lending activity for Vista National Bank and Trust by state
| State | Loans | Volume | Share |
|---|---|---|---|
| Texas (TX) | 8 | $4.6M | 50.0% |
| Indiana (IN) | 8 | $4.0M | 50.0% |
Why Choose Vista National Bank and Trust?
Based on SBA 7(a) lending track record from 2020-2025
- ✓Proven Track Record: 16 SBA loans approved, totaling $8.6M in financing
- ✓Industry Expertise: Specialized focus on Limited-Service Restaurants, Site Preparation Contractors
- ✓Competitive Terms: Average interest rate of 6.38% with flexible term lengths averaging 123 months
- ✓Loan Range: Loan sizes from $500K to $570K, with an average of $535K
- ✓Nationwide Reach: Active lending in 2 states, with strong presence in TX, 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 Vista National Bank and Trust SBA lending
What types of businesses does Vista National Bank and Trust typically finance?
Vista National Bank and Trust specializes in SBA 7(a) lending to specific industries including limited-service restaurants, site preparation contractors. They have developed expertise in these sectors and understand the unique financial characteristics of each industry.
What are Vista National Bank and Trust's typical SBA loan terms?
Vista National Bank and Trust's SBA 7(a) loans typically feature an average interest rate of 6.38% and average term length of 123 months (approximately 10 years). Loan sizes range from $500K to $570K, with an average loan size of $535K.
Do I need a business valuation for a Vista National Bank and Trust SBA loan?
Yes, Vista 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 Vista National Bank and Trust compare to other SBA lenders?
Vista National Bank and Trust has originated 16 SBA loans totaling $8.6M 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 Vista National Bank and Trust lend in?
Vista National Bank and Trust provides SBA 7(a) financing with particularly strong presence in TX, 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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Professional valuations are often required for SBA loans over $250,000.
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