b1BANK: SBA Lending Record
What SBA's own loan files show about b1BANK as an SBA lender, and how a lender's record bears on a feasibility study.
SBA's public loan files credit b1BANK with 378 loans approved from FY2017 to FY2026, for $327.8 million in gross dollars. The $327.8 million for b1BANK counts approved dollars, not balances. b1BANK appears only under SBA 7(a), with 378 loans. Under SBA 504, b1BANK shows 0 loans. SBA records b1BANK as holder, now or earlier, of 378 loans. The guarantee is SBA's, never b1BANK's. Every one of the 378 loans counts toward b1BANK because SBA shows it as holder. b1BANK reflects only SBA 7(a) rules. Here, b1BANK means the holder SBA names. b1BANK's 378 loans span FY2017 to FY2026 approvals.
b1BANK: classes and geography
b1BANK's classes run limited-service restaurant (23 loans); full-service restaurant (22 loans); coffee shop and snack bar (11 loans). 248 loans credited to b1BANK sit outside every class we break out. b1BANK's 378 loans extend past the classes above. b1BANK lists 23 loans in limited-service restaurant. b1BANK's states by loans: Texas (216 loans); Louisiana (157 loans). b1BANK's sample for Texas sites is 216 loans. b1BANK's counts are a map only.
b1BANK: cancellations and charge-offs
10.0% of b1BANK approvals, FY2017 to FY2024, were cancelled. For b1BANK, 10.0% is a floor. b1BANK's floor stops at FY2024 approvals. For b1BANK, 10.0% is the ceiling. The b1BANK ceiling counts undisbursed loans as cancelled. b1BANK: rates match, so the floor stands. b1BANK: the cohort runs FY2017 to FY2021. b1BANK's cohort holds 149 disbursed loans. 12.1% of b1BANK loans are charged off to date. For b1BANK, 12.1% is a floor. b1BANK: the two rates cover different loans. b1BANK: 8.7% charged off within 5 years.
b1BANK: testing a project
b1BANK's $327.8 million and 378 loans are on record. At b1BANK, demand comes first: who pays? For b1BANK, cost is second; 378 loans do not replace a quote. For b1BANK, third is debt service coverage. b1BANK: 12.1% and 10.0% are floors. At b1BANK, the appraisal comes last: 378 loans cannot set your value. b1BANK's record cannot settle cost. Here b1BANK is a holder, not a verdict. b1BANK's 378 loans state nothing about its requirements. Ask b1BANK directly. Test first, then compare with b1BANK's 378 loans. Ask b1BANK what a complete study contains.
SBA loans held by b1BANK
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 FY2026 | 378 |
|---|---|
| Gross dollars approved | $327.8 million |
| SBA 7(a) loans | 378 |
| SBA 504 loans | 0 |
Cancellation and charge-off
| Cancelled after approval, FY2017 to FY2024 approvals (a floor) | 10.0% |
|---|---|
| The same, counting loans still undisbursed as cancelled (a ceiling) | 10.0% |
| Charged off to date, FY2017 to FY2021 disbursed loans (a floor) | 12.1% |
| Charged off within five years of approval | 8.7% |
| Loans in that cohort | 149 |
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 | 248 |
| Limited-service restaurant | 23 |
| Full-service restaurant | 22 |
| Coffee shop and snack bar | 11 |
| Fitness center | 10 |
| Medical office (physicians) | 8 |
| Rehabilitation and therapy clinic | 7 |
| Child care center | 6 |
| Beauty salon | 5 |
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-58228.
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 b1BANK or any other lender. Tell us the project and the lender's deadline, and we reply with scope, timeline and fee.
Request Scope & Timeline
Start with the data.
Contact Us