Western Commerce Bank
SBA 7(a) Lending Profile · FY 2023 analysis
Industry Focus
Top industries served by Western Commerce Bank
| NAICS | Industry | Loans | Volume | Avg Loan | Share |
|---|---|---|---|---|---|
| 213112 | Support Activities for Oil and Gas Operations | 464 | $220.6M | $476K | 22.7% |
| 721110 | Hotels (except Casino Hotels) and Motels | 320 | $556.8M | $1.7M | 15.6% |
| 722511 | Full-Service Restaurants | 72 | $16.2M | $225K | 3.5% |
| 238210 | Electrical Contractors | 56 | $13.2M | $236K | 2.7% |
| 621111 | Offices of Physicians (except Mental Health Specialists) | 48 | $11.6M | $241K | 2.3% |
| 722515 | Snack and Nonalcoholic Beverage Bars | 48 | $17.6M | $367K | 2.3% |
| 812112 | Beauty Salons | 40 | $5.4M | $134K | 2.0% |
| 531130 | Lessors of Miniwarehouses and Self-Storage Units | 40 | $35.1M | $877K | 2.0% |
| 238990 | All Other Specialty Trade Contractors | 32 | $17.1M | $533K | 1.6% |
| 458110 | Other | 32 | $3.4M | $106K | 1.6% |
Geographic Distribution
SBA lending activity for Western Commerce Bank by state
| State | Loans | Volume | Share |
|---|---|---|---|
| New Mexico (NM) | 1,816 | $948.3M | 88.7% |
| Texas (TX) | 144 | $265.3M | 7.0% |
| Arizona (AZ) | 48 | $55.2M | 2.3% |
| Wisconsin (WI) | 16 | $37.4M | 0.8% |
| California (CA) | 16 | $9.3M | 0.8% |
| South Carolina (SC) | 8 | $2.8M | 0.4% |
Why Choose Western Commerce Bank?
Based on SBA 7(a) lending track record from 2020-2025
- ✓Proven Track Record: 2,048 SBA loans approved, totaling $1.32B in financing
- ✓Industry Expertise: Specialized focus on Support Activities for Oil and Gas Operations, Hotels (except Casino Hotels) and Motels, Full-Service Restaurants
- ✓Competitive Terms: Average interest rate of 7.31% with flexible term lengths averaging 143 months
- ✓Loan Range: Loan sizes from $5K to $5.0M, with an average of $644K
- ✓Nationwide Reach: Active lending in 6 states, with strong presence in NM, TX, AZ
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 Western Commerce Bank SBA lending
What types of businesses does Western Commerce Bank typically finance?
Western Commerce Bank specializes in SBA 7(a) lending to specific industries including support activities for oil and gas operations, hotels (except casino hotels) and motels, full-service restaurants, electrical contractors. They have developed expertise in these sectors and understand the unique financial characteristics of each industry.
What are Western Commerce Bank's typical SBA loan terms?
Western Commerce Bank's SBA 7(a) loans typically feature an average interest rate of 7.31% and average term length of 143 months (approximately 12 years). Loan sizes range from $5K to $5.0M, with an average loan size of $644K.
Do I need a business valuation for a Western Commerce Bank SBA loan?
Yes, Western Commerce 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 Western Commerce Bank compare to other SBA lenders?
Western Commerce Bank has originated 2,048 SBA loans totaling $1.32B 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 Western Commerce Bank lend in?
Western Commerce Bank provides SBA 7(a) financing with particularly strong presence in NM, TX, AZ, CA, WI. 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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