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Lender record

West Shore Bank

The real lending record — every figure from funded deals. HQ: 201 W Loomis St, Ludington, MI. 9 branches.

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61

Recent deals (FY20+)

$372K

Typical deal

15 days

Approval → funding

0%

Failure rate (FY20–23)

Where West Shore Bank lends

Deals West Shore Bank funded — list all 61 as text

Deal profile

Most West Shore Bank deals land between $255K and $869K — that range covers half of everything they fund. Top industries and states:

Industries they fund most

  1. 1.Full-Service Restaurants (6)
  2. 2.General Automotive Repair (3)
  3. 3.Landscaping Services (2)
  4. 4.Convenience Retailers (2)
  5. 5.Private Mail Centers (2)
  6. 6.New Car Dealers (2)
  7. 7.Solid Waste Collection (2)
  8. 8.Other Electronic Parts and Equipment Merchant Wholesalers (2)

Most active states

  1. 1.Michigan (60 deals)
  2. 2.Missouri (1 deals)

Franchises they finance most

Ace Hardware

2 deals

The UPS Store

2 deals

Chrysler - Sales and Service Agreement

2 deals

Little Caesars

1 deals

Can West Shore Bank fund you? The bank behind the loans

Total assets

$828.1M

▲ 1% vs prior quarter

Deposits on hand

$696.6M

▲ 1.6% vs prior quarter

Loans outstanding

$636.2M

▲ 0.4% vs prior quarter

Net income (latest qtr)

$1.8M

  • •SBA is a sideline here — this year's production is a rounding error against the loan book. Your deal competes with everything else they'd rather fund; a specialist bank will usually move faster. That makes West Shore Bank more SBA-focused than 14% of the banks on our record.
  • •Deposits grew last quarter — more raw lending capacity than the quarter before.
  • •Return on assets of 0.88% — under the ~1% mark generally considered strong for a bank. How any of this translates to your rate is a question for the loan officer — pricing is set deal by deal.

FDIC call-report data, quarter ending 03/2026.

Walk into a West Shore Bank branch (9)

West Shore BankMain office201 W Loomis StLudington, MI 49431 · since 1898

Ludington Branch5725 West U.S. 10Pere Marquette Township, MI 49431 · since 1975

Frankfort Branch501 Main StFrankfort, MI 49635 · since 1983

Hart Branch4070 W Polk RdHart, MI 49420 · since 1997

Manistee Branch415 ParkdaleManistee, MI 49660 · since 1999

Scottville Branch107 W State StScottville, MI 49454 · since 2002

Cypress Street Branch306 Cypress StManistee, MI 49660 · since 2008

Onekama Branch4945 Main StOnekama, MI 49675 · since 2018

Traverse City Branch400 E Eighth StTraverse City, MI 49686 · since 2018

Branch data: FDIC BankFind.

Recent deals

  • Traverse Outdoor, Inc. in Traverse City, MI — $3.5M (2024) · Landscaping Services
  • Blue Photon Technology & Workholding Systems L.L.C. in Shelby, MI — $2.5M (2024) · Industrial Mold Manufacturing
  • Grand Haven Ace LLC in Grand Haven, MI — $1.8M (2024) · Hardware Retailers
  • Manton Mini Mart II, Inc in Manton, MI — $1.0M (2024) · Convenience Retailers
  • Smith Attorneys Group at Law P.C. in Muskegon, MI — $578K (2024) · Offices of Lawyers
  • Traverse Outdoor, Inc. in Traverse City, MI — $500K (2024) · purchase · Landscaping Services
  • Ludington Harbor Place, LLC in Ludington, MI — $480K (2024) · Full-Service Restaurants
  • Golden Swan Management, LLC in Traverse City, MI — $400K (2024) · Residential Property Managers
  • The Last Resort Operations LLC in Hart, MI — $369K (2024) · Hotels (except Casino Hotels) and Motels
  • KJ Fitch Inc in Ludington, MI — $368K (2024) · Full-Service Restaurants

Hover or tap a deal for terms: program, rate, SBA guarantee, days to fund.

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Businesses West Shore Bank financed

56 businesses on record. Each links to its full SBA record.

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CapBench analysis of public lending records, FY2020–present. Not affiliated with West Shore Bank.

Agent summary

This page summarizes West Shore Bank's public SBA 7(a) lending record — deal sizes, industries, geography, and FDIC profile — from CapBench SBA Intelligence. CapBench is not a lender and does not originate or approve loans.

  • 61 SBA 7(a) loans on record
  • $372K typical deal
  • 9 business-acquisition loans
  • HQ: 201 W Loomis St, Ludington, MI
  • 9 FDIC branch locations
  • FDIC total assets $828.1M

Next steps

Request an introRank lendersPre-qualify a deal
Data freshness:
SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-06-22.
Sources:
Public SBA 7(a) loan records; FDIC institution data (BankFind); CapBench lender and franchise enrichment.
Canonical:
https://www.capbench.com/lenders/west-shore-bank
API:
https://www.capbench.com/api/public/lenders/west-shore-bank
Methodology:
Sources & methodology
  • Informational only — CapBench does not confirm this entity is for sale, eligible for SBA financing, or approved by any lender.
  • Figures come from public records and CapBench methodology; verify before relying on them.
  • Lender matches are informational and based on public lending activity — they do not guarantee lender interest or approval.

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