AMPAC Tri-State CDC, Inc. in SBA data

AMPAC Tri-State CDC, Inc. is a certified development company, filed by SBA under CA. Its record in the FY2017 to FY2026 files is 915 loans with $743.0 million approved in gross dollars, of which 593 are SBA 504 and 322 are SBA 7(a). On 504 loans AMPAC Tri-State CDC, Inc. is the lender of record, while the first-lien lender is free text and not credited. SBA's records show loans that AMPAC Tri-State CDC, Inc. holds or held, and the guarantee belongs to SBA.

California almost entirely

California has 872 loans, Arizona 22 and Nevada 16. The classes are mostly unnamed, with 657 loans outside them. Of the rest, the full-service restaurant has 34, the limited-service restaurant 26, medical offices 24, hotels and motels 18 and automotive repair 18.

Approvals that fell away, loans written off

Cancelled share, FY2017 through FY2024 approvals: 10.7% minimum. 13.0% maximum, with undisbursed loans counted as cancelled. Loan Analytics holds the charge-off figure back under its own rule, since fewer than 30 loans form that cohort; the gap does not mean zero.

Where a study should look

The mix of programs means a borrower should say which one the project needs. A 504 project has a first-lien loan beside AMPAC Tri-State CDC, Inc.'s portion, and the study should show the cash flow serving both layers. A 7(a) project should show cash flow against debt service under a central case and a stressed case. For a medical office, test provider capacity, payer mix and visit volume. For a hotel, test what rooms earn against what they cost. For a restaurant, test what each seat earns and whether the rent fits. California holds nearly every loan, so a project elsewhere should explain why the holdings are relevant. With 657 unclassified loans, an unusual property relies on its own evidence.

Reading the mix of programs

Of the 915 loans, 593 are SBA 504 and 322 are SBA 7(a), so AMPAC Tri-State CDC, Inc.'s book spans both programs, and 657 loans have no class. Read the 504 side as the development company's portion of a project financed alongside a first-lien loan, and read the 7(a) side as loans AMPAC Tri-State CDC, Inc. holds as the current or last holder. Neither side, on this page, tells a borrower which program suits a project; that choice depends on the borrower's facts and belongs in the study.

SBA loans held by AMPAC Tri-State CDC, Inc.

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.

One organisation under two SBA identifiers: a CDC (504) that also lends under 7(a), linked by equal normalised name and equal lender state (manifests/ld2/lender-links.csv).

Loans approved, FY2017 to FY2026	915
Gross dollars approved	$743.0 million
SBA 7(a) loans	322
SBA 504 loans	593

Cancellation and charge-off

Cancelled after approval, FY2017 to FY2024 approvals (a floor)	10.7%
The same, counting loans still undisbursed as cancelled (a ceiling)	13.0%
Charged off to date, FY2017 to FY2021 disbursed loans (a floor)	withheld

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 class	Loans
Not in any of the 39 asset classes	657
Full-service restaurant	34
Limited-service restaurant	26
Medical office (physicians)	24
Hotel and motel	18
Automotive mechanical repair (car and truck)	18
Beauty salon	18
Car wash	15
Self storage	12
Dental office	12
Gas station and truck stop	10
Fitness center	9
Grocery store	9
Rehabilitation and therapy clinic	7
Child care center	6
Coffee shop and snack bar	6

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

Loans by project state

State or area	Loans
California	872
Arizona	22
Nevada	16

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-cdc-0447142.

Related feasibility study pages

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 AMPAC Tri-State CDC, Inc. or any other lender. Tell us the project and the lender's deadline, and we reply with scope, timeline and fee.

Daniel Smith, MAI

AMPAC Tri-State CDC, Inc.: SBA Lending Record