Village Bank and Trust, National Association: SBA business acquisition lending record
Village Bank and Trust, National Association (home state IL) approved 50 SBA 7(a) loans to buy existing businesses since FY2018, totaling $39.3M. The median loan was $407,500. It ranks number 178 of 280 lenders by count and made 0.1% of all SBA acquisition loans nationally.
Seller note standby terms and third-party consents are reviewed before closing.
Submit Transaction DetailsSBA-financed deals. All 50 states.
What this tells a borrower
- Deal size it funds. Half of its acquisition loans fell between $300,000 and $952,800. If your deal sits well outside that band, this lender may be less practiced at it.
- Geographic reach. Illinois is the largest state (82% of loans). Loans appear in only 6 states, which points to a regional lender.
- Industry concentration. Beer, Wine, and Liquor Retailers is 12% of its acquisition loans. The mix is spread across several industries.
- Overall 7(a) volume. 268 SBA 7(a) loans of any purpose since FY2020, totaling $176M. 54% of its acquisition loans were processed under the Preferred Lenders Program.
- Franchise share. 32% of its acquisition loans involved a franchise brand, against 18% for all lenders.
- Seasoned performance. Of its loans from FY2018 to FY2021: none charged off, against the 3.5% national average.
Village Bank and Trust, National Association acquisition loans by year
| Fiscal year | Loans | Total approved | Median loan | |
|---|---|---|---|---|
| FY2018 | 7 | $2.3M | $335,000 | |
| FY2019 | 12 | $9.6M | $353,000 | |
| FY2020 | 8 | $3.7M | $325,000 | |
| FY2021 | 9 | $5.4M | $450,000 | |
| FY2022 | 1 | $976K | $976,000 | |
| FY2023 | 5 | $5M | $1,115,000 | |
| FY2024 | 1 | $500K | $500,000 | |
| FY2025 | 4 | $4.9M | $1,131,750 | |
| FY2026 | 3 | $7M | $3,200,000 |
How often do these acquisition loans fail?
Of the 36 Village Bank and Trust, National Association acquisition loans approved from FY2018 to FY2021 (the seasoned cohort, every loan at least about five years old), none have been charged off by the SBA. 22 have already been paid in full.
For comparison, Village Bank and Trust, National Association has none charged off, against the 3.5% average across all SBA 7(a) acquisition loans in the same cohort. Non-acquisition 7(a) loans (every other stated purpose) approved FY2018 to FY2021 charged off at 6.2%.
"Charged off" is the SBA's final loss action on a defaulted loan after collection efforts. It lags default by a year or more, which is why only older cohorts are measured. It is not the same as a delinquency rate, and loans still outstanding can still fail. See charge-off in the glossary.
The purchase agreement decides what you bought, not the loan approval.
Request Engagement AssessmentAll 50 states. Free consultation.
States served
Industries financed
| # | Industry | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | Beer, Wine, and Liquor Retailers | 6 | 12.0% | $2.7M | |
| 2 | Limited-Service Restaurants | 6 | 12.0% | $2.5M | |
| 3 | Janitorial Services | 3 | 6.0% | $1.8M | |
| 4 | Barber Shops | 2 | 4.0% | $5.1M | |
| 5 | Plumbing and Heating Equipment and Supplies (Hydronics) Merchant Wholesalers | 2 | 4.0% | $4.4M | |
| 6 | General Freight Trucking, Long-Distance, Truckload | 2 | 4.0% | $2.3M | |
| 7 | Hardware Retailers | 2 | 4.0% | $1.8M | |
| 8 | All Other Professional, Scientific, and Technical Services | 2 | 4.0% | $1.4M | |
| 9 | Fruit and Vegetable Markets | 2 | 4.0% | $958K |
That draft favors the seller. We review it for the buyer, line by line.
Submit Transaction DetailsFree consultation. All 50 states.
Franchise brands financed
| # | Franchise | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | Sport Clips | 2 | 4.0% | $5.1M | |
| 2 | Ace Hardware | 2 | 4.0% | $1.8M | |
| 3 | The UPS Store | 2 | 4.0% | $694K | |
| 4 | Papa John's | 2 | 4.0% | $354K | |
| 5 | Servpro | 2 | 4.0% | $213K | |
| 6 | Burger King | 1 | 2.0% | $500K | |
| 7 | Right at Home | 1 | 2.0% | $455K | |
| 8 | Subway | 1 | 2.0% | $331K | |
| 9 | Five Star Painting | 1 | 2.0% | $268K | |
| 10 | Tropical Smoothie Cafe | 1 | 2.0% | $150K |
Questions buyers ask
Does Village Bank and Trust, National Association make SBA acquisition loans?
Yes. Village Bank and Trust, National Association approved 50 SBA 7(a) loans to buy existing businesses from FY2018 to FY2026, ranking number 178 of 280 lenders with 25 or more such loans. The SBA file shows past approvals only; it cannot tell you whether the lender will approve a particular buyer or deal.
How large are Village Bank and Trust, National Association's acquisition loans?
The median was $407,500, with the middle half between $300,000 and $952,800. The national median is $645,250, so this lender's typical loan is 37% lower than the national figure.
Which states does Village Bank and Trust, National Association lend in?
Illinois (41), Wisconsin (3), Indiana (2), California (2), Georgia (1), Colorado (1). Its loans appear in 6 states, so it is closer to a regional lender.
Which industries does Village Bank and Trust, National Association finance?
Beer, Wine, and Liquor Retailers (6), Limited-Service Restaurants (6), Janitorial Services (3), Barber Shops (2), Plumbing and Heating Equipment and Supplies (Hydronics) Merchant Wholesalers (2). The top industry is 12% of its acquisition loans.
How have Village Bank and Trust, National Association's acquisition loans performed?
Of 36 loans approved FY2018 to FY2021: none charged off, against the 3.5% national acquisition average. Charge-offs reflect the borrowers and industries a lender serves as well as its underwriting.
Terms signed in the LOI shape the purchase agreement that follows.
Request Engagement AssessmentAlex Lubyansky leads every engagement.
Advertise on this site: lenders, brokers, valuation and insurance firms. See options
Related
- Illinois acquisitions
- Wisconsin acquisitions
- Indiana acquisitions
- Beer, Wine, and Liquor Retailers
- Limited-Service Restaurants
- Janitorial Services
- All lenders
Figures are aggregates of public SBA data. This page is not provided or endorsed by Village Bank and Trust, National Association.