Western Sierra National Bank
SBA 7(a) Lending Profile · All Time analysis
Industry Focus
Top industries served by Western Sierra National Bank · All Time
| NAICS | Industry | Loans | Volume | Avg Loan | Share |
|---|---|---|---|---|---|
| 621210 | Offices of Dentists | 6 | $1.2M | $199K | 4.1% |
| 524210 | Insurance Agencies and Brokerages | 5 | $715K | $143K | 3.4% |
| 811111 | General Automotive Repair | 4 | $580K | $145K | 2.7% |
| 621310 | Offices of Chiropractors | 4 | $422K | $105K | 2.7% |
| 811121 | Automotive Body, Paint, and Interior Repair and Maintenance | 4 | $313K | $78K | 2.7% |
| 541940 | Veterinary Services | 3 | $558K | $186K | 2.0% |
| 541511 | Custom Computer Programming Services | 3 | $492K | $164K | 2.0% |
| 541110 | Offices of Lawyers | 3 | $150K | $50K | 2.0% |
| 621111 | Offices of Physicians (except Mental Health Specialists) | 2 | $55K | $28K | 1.4% |
| 331221 | Rolled Steel Shape Manufacturing | 2 | $145K | $73K | 1.4% |
Geographic Distribution
SBA lending activity for Western Sierra National Bank by state
| State | Loans | Volume | Share |
|---|---|---|---|
| California (CA) | 148 | $25.9M | 100.0% |
Why Choose Western Sierra National Bank?
Based on SBA 7(a) lending track record from 1991-2006
- ✓Proven Track Record: 148 SBA loans approved, totaling $25.9M in financing
- ✓Industry Expertise: Specialized focus on Offices of Dentists, Insurance Agencies and Brokerages, General Automotive Repair
- ✓Competitive Terms: Average interest rate of — with flexible term lengths averaging 128 months
- ✓Loan Range: Loan sizes from $15K to $1.4M, with an average of $175K
- ✓Nationwide Reach: Active lending in 1 states, with strong presence in CA
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 Sierra National Bank SBA lending
What types of businesses does Western Sierra National Bank typically finance?
Western Sierra National Bank specializes in SBA 7(a) lending to specific industries including offices of dentists, insurance agencies and brokerages, general automotive repair, offices of chiropractors. They have developed expertise in these sectors and understand the unique financial characteristics of each industry.
What are Western Sierra National Bank's typical SBA loan terms?
Western Sierra National Bank's SBA 7(a) loans typically feature an average interest rate of — and average term length of 128 months (approximately 11 years). Loan sizes range from $15K to $1.4M, with an average loan size of $175K.
Do I need a business valuation for a Western Sierra National Bank SBA loan?
Yes, Western Sierra National 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 Sierra National Bank compare to other SBA lenders?
Western Sierra National Bank has originated 148 SBA loans totaling $25.9M 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 Western Sierra National Bank lend in?
Western Sierra National Bank provides SBA 7(a) financing with particularly strong presence in CA. 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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