Arizona Capital Source: SBA Lending Record
What SBA's own loan files show about Arizona Capital Source as an SBA lender, and how a lender's record bears on a feasibility study.
Size of the SBA record at Arizona Capital Source
731 loans, approved FY2017 to FY2026, have Arizona Capital Source as SBA-listed holder. Arizona Capital Source loans: $484.4 million in gross approved dollars, 731 loans in all. Each Arizona Capital Source figure covers loans held, 731, now or earlier. SBA guarantees them; Arizona Capital Source does not. SBA tags 200 of the loans as 7(a), 531 as 504, under Arizona Capital Source; 504 leads. SBA lists Arizona Capital Source, a CDC, as 504 holder. On Arizona Capital Source projects, first-lien lenders go uncredited.
424 of 731 loans, held by Arizona Capital Source, sit in no listed asset class. At Arizona Capital Source, rows by class cover the remainder. Arizona Capital Source class rows open with full-service restaurant, 40 of 731 loans. Then limited-service restaurant (39), 29 loans in hotel and motel and 25 in fitness center. Further down Arizona Capital Source: automotive mechanical repair with 22 loans, child care center at 18 and assisted living (15). Arizona Capital Source: more rows in the table.
Arizona Capital Source file shows, by state, Arizona (720). Outside those places, Arizona Capital Source offers a project no local loans. Arizona Capital Source: one state, thin comparisons.
At Arizona Capital Source: cancellations and charge-offs
12.7% is the cancellation floor at Arizona Capital Source, across FY2017 to FY2024 approvals. Loan Analytics keeps the Arizona Capital Source ceiling off the page. Among 401 loans disbursed FY2017 to FY2021, Arizona Capital Source has 1.5% charged off, a floor. No five-year figure is printed for Arizona Capital Source. Arizona Capital Source outcomes show; reasons do not. Arizona Capital Source cohort rates cover FY2017 to FY2021 disbursements. Arizona Capital Source: 12.7% is a floor, 731 loans notwithstanding, not a forecast. Arizona Capital Source loans keep seasoning, 731 of them; 12.7%, a floor, may climb.
Arizona Capital Source: a borrower's view
For Arizona Capital Source, a Certified Development Company, 731 loans sit in SBA records. Nothing in Arizona Capital Source rows states what Arizona Capital Source asks of an applicant. For Arizona Capital Source, compare full-service restaurant, 731 loans deep; Arizona, set beside the project. Each Arizona Capital Source project has a first-lien lender, uncredited; 731 loans name none. The study should.
731 loans at Arizona Capital Source are context only. For the project, Arizona or elsewhere, Arizona Capital Source proves nothing. 731 loans at Arizona Capital Source set no limited-service restaurant demand; Arizona conditions decide it, not Arizona Capital Source. Each budget line, 731 loans aside, meets raised funds. 731 loans give Arizona Capital Source breadth, not depth. A 12.7% floor sets the lowest bar for Arizona Capital Source. Arizona Capital Source: on stabilized income, debt service coverage keeps 12.7% in view. At Arizona Capital Source, loan size follows appraised value. Arizona Capital Source: no study promises approval; 731 loans or none, it prepares the file.
SBA loans held by Arizona Capital Source
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 | 731 |
|---|---|
| Gross dollars approved | $484.4 million |
| SBA 7(a) loans | 200 |
| SBA 504 loans | 531 |
Cancellation and charge-off
| Cancelled after approval, FY2017 to FY2024 approvals (a floor) | 12.7% |
|---|---|
| The same, counting loans still undisbursed as cancelled (a ceiling) | withheld |
| Charged off to date, FY2017 to FY2021 disbursed loans (a floor) | 1.5% |
| Charged off within five years of approval | withheld |
| Loans in that cohort | 401 |
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 | 424 |
| Full-service restaurant | 40 |
| Limited-service restaurant | 39 |
| Hotel and motel | 29 |
| Fitness center | 25 |
| Automotive mechanical repair (car and truck) | 22 |
| Child care center | 18 |
| Assisted living (without nursing care) | 15 |
| Medical office (physicians) | 15 |
| Coffee shop and snack bar | 15 |
| Behavioral health and addiction treatment | 10 |
| Self storage | 9 |
| Beverage manufacturing (breweries, wineries, distilleries) | 9 |
| School (elementary and secondary, including charter) | 9 |
| Rehabilitation and therapy clinic | 8 |
| Beauty salon | 8 |
| Dental office | 7 |
| Veterinary clinic | 6 |
| Car wash | 5 |
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 |
|---|---|
| Arizona | 720 |
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-0188273.
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 Arizona Capital Source 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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