American Continental Bank: SBA Lending Record

American Continental Bank: 341 loans on the SBA record

SBA's public file lists American Continental Bank with 341 loans whose approval falls in FY2017 to FY2026, for $361.6 million of gross dollars. Each of them is 7(a); the 504 side reads 0. The sections that follow report SBA's figures, and they offer no view of how the bank lends, whom it prefers or what it requires of a borrower.

Liquor stores outrank the unclassed loans

Here the classed loans outnumber the rest: liquor store alone has 94 loans, while 82 fall into none of the asset classes. Full-service restaurant has 38, hotel and motel 36, gas station and truck stop 35, grocery store 24 and limited-service restaurant 14. The class mix leans toward retail and lodging, so the file is useful context for a borrower in those trades. A liquor store study must address licensing and its timeline, inventory margin and local competition. A grocery study weighs the draw of the site next to rival stores, and what the margin leaves after payroll, while hotel and fuel studies lean on location and the supply of competing sites.

California first, then Texas

California holds 248 loans and Texas 52. Washington has 24 and Oregon 9. Four states make up the list, with one carrying most of the file by a wide margin, so a borrower in California meets a deep record and one in Oregon a shallow one.

Cancellation floor equals ceiling; no charge-off rate

Among loans approved over FY2017 to FY2024, 7.8% were cancelled, as a floor, with the ceiling no different. The charge-off rate is kept off this page by a Loan Analytics rule, so the page cannot describe how disbursed loans performed. The blank should not be read as nil, and a reader should not substitute a figure of his own. With only the cancellation side visible, the record is a partial one.

The study that sits beside the record

The loan counts help a borrower pick whom to ask. The study answers what a credit reader asks next: who will buy, what the project costs, how income holds up against the payment in a soft year and what an appraiser can support. For a liquor or grocery project it also records the licence path and the competing stores within reach. Bring that analysis, and treat the file above as background.