YNB
SBA 7(a) Lending Profile · All Time analysis
Industry Focus
Top industries served by YNB · All Time
| NAICS | Industry | Loans | Volume | Avg Loan | Share |
|---|---|---|---|---|---|
| 624410 | Child Care Services | 5 | $660K | $132K | 12.2% |
| 238990 | All Other Specialty Trade Contractors | 3 | $400K | $133K | 7.3% |
| 812112 | Beauty Salons | 2 | $105K | $53K | 4.9% |
| 812320 | Drycleaning and Laundry Services (except Coin-Operated) | 2 | $235K | $118K | 4.9% |
| 621340 | Offices of Physical, Occupational and Speech Therapists, and Audiologists | 1 | $10K | $10K | 2.4% |
| 713940 | Fitness and Recreational Sports Centers | 1 | $25K | $25K | 2.4% |
| 337110 | Wood Kitchen Cabinet and Countertop Manufacturing | 1 | $38K | $38K | 2.4% |
| 621610 | Home Health Care Services | 1 | $125K | $125K | 2.4% |
| 621310 | Offices of Chiropractors | 1 | $50K | $50K | 2.4% |
| 531210 | Offices of Real Estate Agents and Brokers | 1 | $50K | $50K | 2.4% |
Geographic Distribution
SBA lending activity for YNB by state
| State | Loans | Volume | Share |
|---|---|---|---|
| Oklahoma (OK) | 37 | $6.2M | 90.2% |
| Oregon (OR) | 1 | $125K | 2.4% |
| Washington (WA) | 2 | $60K | 4.9% |
| Mississippi (MS) | 1 | $25K | 2.4% |
Why Choose YNB?
Based on SBA 7(a) lending track record from 1992-2014
- ✓Proven Track Record: 41 SBA loans approved, totaling $6.4M in financing
- ✓Industry Expertise: Specialized focus on Child Care Services, All Other Specialty Trade Contractors, Beauty Salons
- ✓Competitive Terms: Average interest rate of 6.38% with flexible term lengths averaging 114 months
- ✓Loan Range: Loan sizes from $10K to $659K, with an average of $155K
- ✓Nationwide Reach: Active lending in 4 states, with strong presence in OK, WA, OR
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 YNB SBA lending
What types of businesses does YNB typically finance?
YNB specializes in SBA 7(a) lending to specific industries including child care services, all other specialty trade contractors, beauty salons, drycleaning and laundry services (except coin-operated). They have developed expertise in these sectors and understand the unique financial characteristics of each industry.
What are YNB's typical SBA loan terms?
YNB's SBA 7(a) loans typically feature an average interest rate of 6.38% and average term length of 114 months (approximately 10 years). Loan sizes range from $10K to $659K, with an average loan size of $155K.
Do I need a business valuation for a YNB SBA loan?
Yes, YNB 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 YNB compare to other SBA lenders?
YNB has originated 41 SBA loans totaling $6.4M since 1992. 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 YNB lend in?
YNB provides SBA 7(a) financing with particularly strong presence in OK, WA, OR, MS. 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?
Certified valuations are often required for SBA loans over $250,000.
Get your certified valuation from Fair Market Value.