American Momentum Bank: SBA Lending Record

What SBA's own loan files show about American Momentum Bank as an SBA lender, and how a lender's record bears on a feasibility study.

Loans held and dollars at American Momentum Bank

389 loans, approved FY2017 to FY2026, have American Momentum Bank as SBA-listed holder. $370.7 million gross was approved on the 389 loans held by American Momentum Bank. Each American Momentum Bank figure covers loans held, 389, now or earlier. SBA guarantees them; American Momentum Bank does not. SBA tags 389 as 7(a), none 504, under American Momentum Bank. American Momentum Bank appears as holder, current or last.

389 loans sit at American Momentum Bank, 259 with no tracked class; the others fill American Momentum Bank class rows. American Momentum Bank class rows start with child care center, 33 loans. Then 24 loans in full-service restaurant, 15 in automotive mechanical repair and limited-service restaurant with 11 loans. Lower American Momentum Bank rows: car wash at 6 and liquor store (6). American Momentum Bank: more rows in the table.

American Momentum Bank opens geographically with 135 in Texas, Florida (125), 14 in Arizona, Georgia (14), 11 in Kentucky, North Carolina (9), 8 in Missouri, Illinois (6) and 6 in Ohio. Texas holds the largest share, 135 loans. Later states carry fewer American Momentum Bank loans each; depth varies by place.

American Momentum Bank: floors on cancelled and charged-off loans

7.4%: the floor on cancellations, among American Momentum Bank approvals from FY2017 to FY2024. Also 7.4% is the ceiling; undisbursed American Momentum Bank loans move nothing. At American Momentum Bank, 7.7% is charged off to date among 155 loans disbursed FY2017 to FY2021. The early charge-off window for American Momentum Bank is withheld. American Momentum Bank outcomes show; reasons do not. American Momentum Bank cohort rates cover FY2017 to FY2021 disbursements. American Momentum Bank: 7.4% is a floor, 389 loans notwithstanding, not a forecast. American Momentum Bank: every rate here is a floor, 389 loans or not; 7.4% included.

American Momentum Bank in a study

American Momentum Bank, a bank or lender, comes with 389 loans of background. American Momentum Bank credit standards stay undescribed. For American Momentum Bank, weigh full-service restaurant, 389 loans deep, and the project against Florida. American Momentum Bank: other sources go in the study.

389 loans at American Momentum Bank: context only. For American Momentum Bank, a project proves itself alone in Texas. Child care center demand: 389 loans at American Momentum Bank set none; Texas conditions decide, not American Momentum Bank. Budget lines meet raised funds, 389 loans staying aside. 389 loans give American Momentum Bank breadth, not depth. A 7.4% floor sets the lowest bar for American Momentum Bank. American Momentum Bank aside, debt service coverage keeps 7.4% in view, on stabilized income. At American Momentum Bank, loan size follows appraised value. American Momentum Bank: no study promises approval; 389 loans or none, it prepares the file.

SBA loans held by American Momentum Bank

SBA guarantees these loans; the lender does not. The lender's name and every figure come from the U.S. Small Business Administration's public 7(a) and 504 FOIA file (data.sba.gov).

7(a) lender is the bank or lender the loan is currently assigned to (or last held it), as SBA records it; 504 lender is the Certified Development Company (CDC). 504 third-party (first-lien) lenders are free text with no identifier and are not credited.

Loans approved, FY2017 to FY2026389
Gross dollars approved$370.7 million
SBA 7(a) loans389
SBA 504 loans0

Cancellation and charge-off

Cancelled after approval, FY2017 to FY2024 approvals (a floor)7.4%
The same, counting loans still undisbursed as cancelled (a ceiling)7.4%
Charged off to date, FY2017 to FY2021 disbursed loans (a floor)7.7%
Charged off within five years of approvalwithheld
Loans in that cohort155

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.

Loans by asset class

Asset classLoans
Not in any of the 39 asset classes259
Child care center33
Full-service restaurant24
Automotive mechanical repair (car and truck)15
Limited-service restaurant11
Car wash6
Liquor store6

Classes with 5 or more loans; smaller ones are withheld, and more where a small one could be derived.

Loans by project state

States with 5 or more loans; smaller ones are withheld, and more where a small one could be derived.

A value marked withheld rests on fewer than 5 loans, or is withheld so that such a figure cannot be derived from other published figures.

Source: U.S. Small Business Administration, 7(a) and 504 loan-level FOIA files (data.sba.gov), as of 2026-09-30; Loan Analytics lender cell LP-fdic-58309.

Loan Analytics prepares the feasibility study a lender reads before it commits: for a commercial project anywhere in the United States, financed under SBA 7(a), SBA 504, USDA Business and Industry or a conventional bank loan, by American Momentum Bank or any other lender. Tell us the project and the lender's deadline, and we reply with scope, timeline and fee.

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