Across FY2017 to FY2026, CalPrivate Bank appears in SBA's records on 485 approved loans carrying $578.4 million in gross dollars. The $578.4 million for CalPrivate Bank counts approved dollars, not balances. CalPrivate Bank holds all 485 loans under SBA 7(a). CalPrivate Bank has 0 loans under SBA 504. CalPrivate Bank holds or held every loan listed. 485 loans carry SBA's guarantee, not CalPrivate Bank's. CalPrivate Bank is the lender SBA shows holding 485 loans now, or last holding them. CalPrivate Bank is an SBA 7(a) record of 485 loans, in program terms. Here, CalPrivate Bank means the holder SBA names. CalPrivate Bank's 485 loans span FY2017 to FY2026 approvals.

CalPrivate Bank: where the loans sit

Classes for CalPrivate Bank begin with full-service restaurant, 33 loans; limited-service restaurant, 18 loans; hotel and motel, 9 loans. Outside those classes, the file credits CalPrivate Bank with 333 more loans. CalPrivate Bank's list shows a slice of 485 loans. CalPrivate Bank holds 33 in full-service restaurant. CalPrivate Bank's state listing: California, 462 loans; Arizona, 5 loans. CalPrivate Bank's sample for California sites is 462 loans. CalPrivate Bank's counts are a map only.

CalPrivate Bank: cancelled and charged-off loans

9.2% of CalPrivate Bank approvals, FY2017 to FY2024, were cancelled. For CalPrivate Bank, 9.2% is a floor. CalPrivate Bank's floor stops at FY2024 approvals. For CalPrivate Bank, 9.2% is the ceiling. The CalPrivate Bank ceiling counts undisbursed loans as cancelled. CalPrivate Bank: rates match, so the floor stands. CalPrivate Bank has no charge-off rate here. For CalPrivate Bank, under 30 loans means no rate. CalPrivate Bank: its disbursed cohort is small. CalPrivate Bank: a blank is not a zero.

CalPrivate Bank: what a study must test

CalPrivate Bank holds 485 recorded loans, $578.4 million in all. At CalPrivate Bank, demand comes first: who pays? For CalPrivate Bank, cost is second; 485 loans do not replace a quote. For CalPrivate Bank, third is debt service coverage. CalPrivate Bank: 9.2% is a floor. At CalPrivate Bank, the appraisal comes last: 485 loans cannot set your value. CalPrivate Bank's record cannot settle cost. Here CalPrivate Bank is a holder, not a verdict. CalPrivate Bank's 485 loans state nothing about its requirements. Ask CalPrivate Bank directly. Test first, then compare with CalPrivate Bank's 485 loans. Ask CalPrivate Bank what a complete study contains.

SBA loans held by CalPrivate Bank

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	485
Gross dollars approved	$578.4 million
SBA 7(a) loans	485
SBA 504 loans	0

Cancellation and charge-off

Cancelled after approval, FY2017 to FY2024 approvals (a floor)	9.2%
The same, counting loans still undisbursed as cancelled (a ceiling)	9.2%
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	333
Full-service restaurant	33
Limited-service restaurant	18
Hotel and motel	9
Automotive mechanical repair (car and truck)	9
Medical office (physicians)	9
Fitness center	8
Gas station and truck stop	7
Child care center	7
Beauty salon	6
Warehouse and distribution	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
California	462
Arizona	5

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-58291.

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 CalPrivate Bank or any other lender. Tell us the project and the lender's deadline, and we reply with scope, timeline and fee.

Daniel Smith, MAI

CalPrivate Bank: SBA Lending Record