SBA 7(a) Charter School Feasibility Study in Arizona
What SBA's own loan files show about SBA 7(a) lending to school (elementary and secondary, including charter) projects in Arizona, and what a feasibility study for an SBA 7(a) loan there has to test.
Charter and private school borrowers under SBA 7(a) in Arizona
Borrowers in the state received 33 SBA 7(a) approvals for charter and private school during FY2017 to FY2026, a gross $35.1 million. State rank for charter and private school loan volume is 4, and within Arizona the class stands 20 of 39. The typical Arizona charter and private school ticket, $650,000, sits above the national median for charter and private school under SBA 7(a) (1.39x), and half of approvals land between $190,000 and $1.7 million. Franchise-flagged charter and private school loans make up 12.1% of the Arizona cell.
Lenders and counties in Arizona
No Arizona charter and private school holder is large enough to be listed. Charter and private school holder names are SBA's. In Arizona, Maricopa has 27, Pima has 5 and Yavapai has 1 charter and private school loans.
The FY2017 to FY2026 charter and private school run
For Arizona charter and private school, year by year, FY2025 is busiest, with 10 loans and $11.9 million; FY2017 had 2, FY2024 had 2 and FY2026 had 1. In FY2021, Arizona saw no charter and private school approvals.
Arizona cancellations and charge-offs
For Arizona charter and private school approvals the cancellation rate is withheld: Arizona has too few charter and private school approvals; SBA 7(a) publishes no stable charter and private school rate, and charter and private school readers should assume none. The Arizona charter and private school loss record is likewise withheld: the Arizona cohort is too small, with scant charter and private school lending in Arizona, and a missing number is no clean charter and private school record for FY2017 to FY2021.
Arizona schools: what a study has to prove
School lending in Arizona depends on enrolment and funding. A study should project students from the catchment, compare seat supply from district, charter and private rivals, and show per-student revenue against staffing and occupancy cost before the debt payment. Cost of the building, new or converted, is set against loans around $650,000, with coverage tested at low enrolment. A lender will also ask what else the building could be used for.
Arizona charters inside the school code
The code covers charters and private schools alike. Since most charters operate as nonprofits, which SBA cannot lend to, Arizona totals lean toward for-profit and private schools.
SBA 7(a) school (elementary and secondary, including charter) loans in Arizona
| Loans approved, FY2017 to FY2026 | 33 |
|---|---|
| Gross dollars approved | $35.1 million |
| Median loan | $650,000 |
| Middle half of loans, from | $190,000 |
| Middle half of loans, to | $1.7 million |
| Franchise share of loans | 12.1% |
| Rank among states for SBA 7(a) school (elementary and secondary, including charter) loans, by number of loans | 4 |
| Rank of school (elementary and secondary, including charter) among classes in Arizona | 20 of 39 |
| Median loan against the national SBA 7(a) median for the class | 1.39x |
Cancellation and charge-off
| Cancelled after approval, FY2017 to FY2024 approvals (a floor) | not reported: fewer than 30 loans in the cohort |
|---|---|
| Charged off to date, FY2017 to FY2021 disbursed loans (a floor) | not reported: fewer than 30 loans in the cohort |
Both rates are floors. SBA withholds the status of open loans, so a loan counts as charged off only once SBA reports it; a rate needs at least 30 loans in its cohort and is otherwise not reported.
SBA 7(a) school (elementary and secondary, including charter) loans approved in Arizona, by fiscal year
| Fiscal year | Loans | Dollars |
|---|---|---|
| FY2017 | 2 | $2.2 million |
| FY2018 | 6 | $8.6 million |
| FY2019 | 3 | $646,000 |
| FY2020 | 5 | $5.0 million |
| FY2021 | 0 | $0 |
| FY2022 | 1 | $505,600 |
| FY2023 | 3 | $5.6 million |
| FY2024 | 2 | $450,000 |
| FY2025 | 10 | $11.9 million |
| FY2026 | 1 | $193,000 |
Where the loans are, by county
| County | Loans |
|---|---|
| MARICOPA | 27 |
| PIMA | 5 |
| YAVAPAI | 1 |
Charter schools cannot be separated; most are nonprofits, which SBA does not lend to. Shared code: Charter schools share 611110 with private schools.
Source: U.S. Small Business Administration, 7(a) and 504 loan-level FOIA files (data.sba.gov), as of 2026-09-30; Loan Analytics loan-outcome cell SAP-AZ-C27-7A.
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