BMO Bank National Association: SBA Lending Record

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

BMO Bank National Association holds 2,530 loans approved from FY2017 to FY2026, worth $1.83 billion gross. BMO Bank National Association is all SBA 7(a), with 2,530 loans and no 504 loans credited. For 2,530 loans, SBA's record names BMO Bank National Association as the lender. BMO Bank National Association does not guarantee 2,530 loans; SBA does.

What BMO Bank National Association holds, by class and state

BMO Bank National Association lists Full-service restaurant, 112, Automotive mechanical repair (car and truck), 72, Dental office, 68, Limited-service restaurant, 60 and Medical office (physicians), 55 loans among its leading classes. The largest BMO Bank National Association group, 1,910 loans, fits no tracked class. BMO Bank National Association's state counts: California, 1,095, Colorado, 342, Arizona, 154, Utah, 146 and New Mexico, 136 loans.

BMO Bank National Association outcome floors

BMO Bank National Association approvals cancelled after approval, FY2017 to FY2024: 8.3%, a floor. BMO Bank National Association ceiling: withheld by Loan Analytics' own rule. BMO Bank National Association ceiling: no zero, no estimate. At BMO Bank National Association, 2.2% of 1,790 loans were charged off, a floor. The BMO Bank National Association cohort covers FY2017 to FY2021 disbursements. BMO Bank National Association cohort loans charged off within five years: 1.5%. BMO Bank National Association floors rise only as loans age.

BMO Bank National Association in a feasibility study

BMO Bank National Association counts 112 loans in the Full-service restaurant class. BMO Bank National Association study needs comparable sales. For 112 Full-service restaurant loans, seating demand stays open. BMO Bank National Association history says nothing on site traffic. BMO Bank National Association counts 72 loans in the Automotive mechanical repair (car and truck) class. BMO Bank National Association study needs bay count. BMO Bank National Association: equipment spend remains open across 72 Automotive mechanical repair (car and truck) loans. BMO Bank National Association total of $1.83 billion says nothing about any one site. BMO Bank National Association also has 1,910 loans in no tracked class. BMO Bank National Association: the project must carry the case. For 1,095 BMO Bank National Association loans in California, local evidence still decides. BMO Bank National Association: ask directly what it needs to see. 2,530 loans at BMO Bank National Association do not measure demand at one site. BMO Bank National Association: competing supply near the site matters most. BMO Bank National Association study revenue assumptions need written support. BMO Bank National Association request: build cost quoted, not assumed. BMO Bank National Association debt service needs a cautious revenue case.On valuation, the appraisal of a site is a separate matter from the BMO Bank National Association loan count. BMO Bank National Association study needs a downside case in writing. BMO Bank National Association: state assumptions, test coverage, support value. BMO Bank National Association lists 2,530 loans and $1.83 billion in gross approvals. BMO Bank National Association equity belongs in the study.

BMO Bank National Association cancellation floors stop at FY2024 approvals. BMO Bank National Association totals take in FY2025 and FY2026 approvals. BMO Bank National Association cohort: 1,790 loans disbursed in FY2017 to FY2021. BMO Bank National Association figures describe loans held, not lender practices. BMO Bank National Association history of 2,530 loans promises nothing to a new borrower. BMO Bank National Association withheld values are never zeros or estimates.

SBA loans held by BMO Bank 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 FY20262,530
Gross dollars approved$1.83 billion
SBA 7(a) loans2,530
SBA 504 loans0

Cancellation and charge-off

Cancelled after approval, FY2017 to FY2024 approvals (a floor)8.3%
The same, counting loans still undisbursed as cancelled (a ceiling)withheld
Charged off to date, FY2017 to FY2021 disbursed loans (a floor)2.2%
Charged off within five years of approval1.5%
Loans in that cohort1,790

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 classes1,910
Full-service restaurant112
Automotive mechanical repair (car and truck)72
Dental office68
Limited-service restaurant60
Medical office (physicians)55
Child care center31
Beauty salon31
Fitness center21
Rehabilitation and therapy clinic20
Liquor store18
Coffee shop and snack bar18
Grocery store18
Veterinary clinic16
Assisted living (without nursing care)12
Beverage manufacturing (breweries, wineries, distilleries)12
Caterers (includes banquet halls with catering staff)8
Car wash7
Self storage7
Multifamily (lessors of residential buildings)6
Behavioral health and addiction treatment6

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-16571.

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 BMO Bank National Association 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