Bank of America, National Association: SBA Lending Record

What SBA's own loan files show about Bank of America, National Association as an SBA lender, and how a lender's record bears on a feasibility study.

Loans held and dollars at Bank of America, National Association

5,414 loans, approved FY2017 to FY2026, have Bank of America, National Association as SBA-listed holder. Bank of America, National Association loans reach $2.84 billion in gross approved dollars. SBA, not Bank of America, National Association, guarantees each of the 5,414 loans held, now or earlier, by Bank of America, National Association. SBA tags 5,414 as 7(a), none 504, under Bank of America, National Association. Bank of America, National Association appears as holder, current or last.

5,414 loans sit at Bank of America, National Association, 4,179 with no tracked class; the others fill Bank of America, National Association class rows. Bank of America, National Association rows put dental office first, 246 of 5,414 loans. Then full-service restaurant (202), 136 loans in medical office and 134 in child care center. Further down Bank of America, National Association: automotive mechanical repair with 107 loans, limited-service restaurant at 71 and veterinary clinic (58). Dental office: across 5,414 loans, check Bank of America, National Association for it.

Bank of America, National Association opens geographically with California (1,249), 1,074 in Florida, Texas (485), 260 in New York, Georgia (202), 191 in Illinois, Washington (189), 184 in Massachusetts and North Carolina (184). California holds the largest share, 1,249 loans. Far down the list, Bank of America, National Association gives a project little local depth.

Bank of America, National Association: floors on cancelled and charged-off loans

Bank of America, National Association approvals, FY2017 to FY2024: 15.2%, at least, were cancelled after approval. 15.2% is the ceiling as well, so Bank of America, National Association undisbursed loans change nothing. Among 1,181 loans disbursed FY2017 to FY2021, Bank of America, National Association has 1.5% charged off, a floor. Bank of America, National Association: 0.68% charged off within five years. Bank of America, National Association outcomes show; reasons do not. Bank of America, National Association cohort rates cover FY2017 to FY2021 disbursements. Bank of America, National Association: 15.2% is a floor, 5,414 loans notwithstanding, not a forecast. Bank of America, National Association loans keep seasoning, 5,414 of them; 15.2%, a floor, may climb.

Bank of America, National Association in a study

Bank of America, National Association, a bank or lender, comes with 5,414 loans of background. Bank of America, National Association credit standards stay undescribed. At Bank of America, National Association, weigh California then dental office, 5,414 loans deep, against the project. Bank of America, National Association: other sources go in the study.

5,414 loans replace nothing in the study; $2.84 billion gross at Bank of America, National Association informs it only. Dental office demand: 5,414 loans at Bank of America, National Association set none; California conditions decide, not Bank of America, National Association. Budget lines meet raised funds, 5,414 loans staying aside. 5,414 loans give Bank of America, National Association breadth, not depth. For Bank of America, National Association, a margin that survives 15.2%, and more, serves the study. Bank of America, National Association aside, debt service coverage keeps a 15.2% floor in view. Collateral for Bank of America, National Association rests on the appraisal. Bank of America, National Association: no study promises approval; 5,414 loans or none, it prepares the file.

SBA loans held by Bank of America, National Association

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 FY20265,414
Gross dollars approved$2.84 billion
SBA 7(a) loans5,414
SBA 504 loans0

Cancellation and charge-off

Cancelled after approval, FY2017 to FY2024 approvals (a floor)15.2%
The same, counting loans still undisbursed as cancelled (a ceiling)15.2%
Charged off to date, FY2017 to FY2021 disbursed loans (a floor)1.5%
Charged off within five years of approval0.68%
Loans in that cohort1,181

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 classes4,179
Dental office246
Full-service restaurant202
Medical office (physicians)136
Child care center134
Automotive mechanical repair (car and truck)107
Limited-service restaurant71
Veterinary clinic58
Rehabilitation and therapy clinic51
Beauty salon39
Coffee shop and snack bar36
Fitness center34
Grocery store28
Data center21
Diagnostic imaging center10
Liquor store10
Warehouse and distribution9
Caterers (includes banquet halls with catering staff)8
Nonresidential lessor (flex, office and retail investor buildings)7
Life science lab (research and development)7
School (elementary and secondary, including charter)6
Gas station and truck stop5

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-3510.

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 Bank of America, National Association 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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