Village Bank and Trust, National Association
Headquartered in ARLINGTON HEIGHTS, IL. Analysis based on 265 SBA 7(a) loans approved between FY2020 and 2025-12-31, totaling $171.6M.
Total 7(a) loans
265
Total approved
$171.6M
Average loan
$647K
States funded in
15
Charge-off rate
1.66%
FY2020–FY2023 cohort
Paid-in-full rate
32.60%
Average rate
6.76%
Average term
121 mo
Top 10 industries financed
| NAICS | Industry | Loans |
|---|---|---|
| 722513 | Limited-Service Restaurants | 29 |
| 722511 | Full-Service Restaurants | 20 |
| 484110 | General Freight Trucking, Local | 10 |
| 238990 | All Other Specialty Trade Contractors | 9 |
| 561730 | Landscaping Services | 9 |
| 621210 | Offices of Dentists | 9 |
| 812990 | All Other Personal Services | 9 |
| 621111 | Offices of Physicians (except Mental Health Specialists) | 7 |
| 484121 | General Freight Trucking, Long Distance, Truckload | 5 |
| 236220 | Commercial and Institutional Building Construction | 5 |
Top 10 states
| State | Loans |
|---|---|
| IL | 224 |
| IN | 8 |
| WI | 7 |
| TX | 5 |
| CA | 5 |
| MO | 3 |
| TN | 3 |
| GA | 2 |
| PA | 2 |
| CO | 1 |
Top franchise brands financed
65 franchise loans across 35 distinct brands.
| Franchise | Loans |
|---|---|
| Ben & Jerry's | 5 |
| Burger King | 5 |
| Jimmy John's | 3 |
| College Hunks Hauling Junk | 3 |
| The UPS Store (f/k/a Mail Box | 3 |
| Restore Hyper Wellness | 2 |
| Altitude Trampoline Park | 2 |
| Ace Hardware | 2 |
| Playa Bowls | 2 |
| Ace Hardware Painting Services | 2 |
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Data source & methodology
All figures computed from the SBA Office of Capital Access FOIA dataset (7(a) loans, FY2020–present, as of 2025-12-31). Charge-off and paid-in-full rates are calculated on the FY2020–FY2023 cohort only, so loans have had time to mature. Charge-off rank covers lenders with ≥500 mature loans.