Capital Matrix, Inc.: SBA Lending Record
What SBA's own loan files show about Capital Matrix, Inc. as an SBA lender, and how a lender's record bears on a feasibility study.
SBA's public loan files credit Capital Matrix, Inc. with 697 loans approved from FY2017 to FY2026, for $496.3 million in gross dollars. The $496.3 million for Capital Matrix, Inc. counts approved dollars, not balances. 697 loans sit under SBA 504, every Capital Matrix, Inc. loan here. Capital Matrix, Inc. reads 0 under SBA 7(a). 697 loans are records SBA keeps on Capital Matrix, Inc. SBA, not Capital Matrix, Inc., carries each guarantee. For SBA 504, Capital Matrix, Inc. is the CDC. SBA 504 credits Capital Matrix, Inc., not first-lien lenders. The 697 SBA 504 loans are credited to Capital Matrix, Inc. Capital Matrix, Inc. reflects only SBA 504 rules. Here, Capital Matrix, Inc. means the holder SBA names. Capital Matrix, Inc.'s 697 loans span FY2017 to FY2026 approvals.
Capital Matrix, Inc.: classes and geography
For Capital Matrix, Inc., these classes lead: full-service restaurant with 29 loans; medical office with 26 loans; dental office with 25 loans. Another 461 loans credited to Capital Matrix, Inc. fall outside all of those classes. Capital Matrix, Inc.'s 697 loans: a slice sits in named classes. Capital Matrix, Inc. lists 29 loans in full-service restaurant. Capital Matrix, Inc. loans lead, by state, in Idaho with 531 loans; Montana with 114 loans; Washington with 30 loans. Capital Matrix, Inc.'s sample for Idaho sites is 531 loans. Capital Matrix, Inc.'s counts are a map only.
Capital Matrix, Inc.: cancellations and charge-offs
10.1% of Capital Matrix, Inc. approvals, FY2017 to FY2024, were cancelled. For Capital Matrix, Inc., 10.1% is a floor. Capital Matrix, Inc.'s floor stops at FY2024 approvals. For Capital Matrix, Inc., 11.0% is the ceiling. The Capital Matrix, Inc. ceiling counts undisbursed loans as cancelled. The Capital Matrix, Inc. rate sits between 10.1% and 11.0%. Capital Matrix, Inc. has no charge-off rate here. For Capital Matrix, Inc., under 30 loans means no rate. Capital Matrix, Inc.: its disbursed cohort is small. Capital Matrix, Inc.: a blank is not a zero.
Capital Matrix, Inc.: testing a project
Capital Matrix, Inc.'s $496.3 million and 697 loans are on record. At Capital Matrix, Inc., demand comes first: who pays? For Capital Matrix, Inc., cost is second; 697 loans do not replace a quote. For Capital Matrix, Inc., third is debt service coverage. Capital Matrix, Inc.: 10.1% is a floor. At Capital Matrix, Inc., the appraisal comes last: 697 loans cannot set your value. Capital Matrix, Inc.'s record cannot settle cost. Here Capital Matrix, Inc. is a holder, not a verdict. Capital Matrix, Inc.'s 697 loans state nothing about its requirements. Ask Capital Matrix, Inc. directly. Test first, then compare with Capital Matrix, Inc.'s 697 loans. Ask Capital Matrix, Inc. what a complete study contains.
SBA loans held by Capital Matrix, Inc.
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 | 697 |
|---|---|
| Gross dollars approved | $496.3 million |
| SBA 7(a) loans | 0 |
| SBA 504 loans | 697 |
Cancellation and charge-off
| Cancelled after approval, FY2017 to FY2024 approvals (a floor) | 10.1% |
|---|---|
| The same, counting loans still undisbursed as cancelled (a ceiling) | 11.0% |
| 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 | 461 |
| Full-service restaurant | 29 |
| Medical office (physicians) | 26 |
| Dental office | 25 |
| Hotel and motel | 23 |
| Automotive mechanical repair (car and truck) | 13 |
| Limited-service restaurant | 12 |
| Rehabilitation and therapy clinic | 11 |
| Grocery store | 11 |
| Car wash | 10 |
| Fitness center | 10 |
| Child care center | 10 |
| Self storage | 8 |
| Assisted living (without nursing care) | 6 |
| Veterinary clinic | 6 |
| Skilled nursing | 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 |
|---|---|
| Idaho | 531 |
| Montana | 114 |
| Washington | 30 |
| Utah | 16 |
| Oregon | 6 |
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-0188280.
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 Capital Matrix, Inc. 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