Wilson Bank & Trust
SBA 7(a) Lending Profile · FY 2025 analysis
Industry Focus
Top industries served by Wilson Bank & Trust
| NAICS | Industry | Loans | Volume | Avg Loan | Share |
|---|---|---|---|---|---|
| 812910 | Pet Care (except Veterinary) Services | 16 | $10.6M | $666K | 12.5% |
| 713940 | Fitness and Recreational Sports Centers | 8 | $10.6M | $1.3M | 6.3% |
| 722511 | Full-Service Restaurants | 8 | $2.3M | $282K | 6.3% |
| 456110 | Other | 8 | $12.2M | $1.5M | 6.3% |
| 337110 | Wood Kitchen Cabinet and Countertop Manufacturing | 8 | $3.7M | $458K | 6.3% |
| 621420 | Outpatient Mental Health and Substance Abuse Centers | 8 | $20.2M | $2.5M | 6.3% |
| 238990 | All Other Specialty Trade Contractors | 8 | $2.9M | $360K | 6.3% |
| 541511 | Custom Computer Programming Services | 8 | $2.6M | $324K | 6.3% |
| 624410 | Child Day Care Services | 8 | $6.2M | $770K | 6.3% |
| 561710 | Exterminating and Pest Control Services | 8 | $16.7M | $2.1M | 6.3% |
Geographic Distribution
SBA lending activity for Wilson Bank & Trust by state
| State | Loans | Volume | Share |
|---|---|---|---|
| Tennessee (TN) | 128 | $114.3M | 100.0% |
Why Choose Wilson Bank & Trust?
Based on SBA 7(a) lending track record from 2020-2025
- ✓Proven Track Record: 128 SBA loans approved, totaling $114.3M in financing
- ✓Industry Expertise: Specialized focus on Pet Care (except Veterinary) Services, Fitness and Recreational Sports Centers, Full-Service Restaurants
- ✓Competitive Terms: Average interest rate of 10.22% with flexible term lengths averaging 167 months
- ✓Loan Range: Loan sizes from $218K to $2.5M, with an average of $893K
- ✓Nationwide Reach: Active lending in 1 states, with strong presence in TN
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 Wilson Bank & Trust SBA lending
What types of businesses does Wilson Bank & Trust typically finance?
Wilson Bank & Trust specializes in SBA 7(a) lending to specific industries including pet care (except veterinary) services, fitness and recreational sports centers, full-service restaurants, other. They have developed expertise in these sectors and understand the unique financial characteristics of each industry.
What are Wilson Bank & Trust's typical SBA loan terms?
Wilson Bank & Trust's SBA 7(a) loans typically feature an average interest rate of 10.22% and average term length of 167 months (approximately 14 years). Loan sizes range from $218K to $2.5M, with an average loan size of $893K.
Do I need a business valuation for a Wilson Bank & Trust SBA loan?
Yes, Wilson Bank & 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 Wilson Bank & Trust compare to other SBA lenders?
Wilson Bank & Trust has originated 128 SBA loans totaling $114.3M 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 Wilson Bank & Trust lend in?
Wilson Bank & Trust provides SBA 7(a) financing with particularly strong presence in TN. 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.
Get your certified valuation from Fair Market Value.