Cen Cal Business Finance Group: SBA Lending Record

What SBA's own loan files show about Cen Cal Business Finance Group as an SBA lender, and how a lender's record bears on a feasibility study.

Daniel Smith, MAI

523 loans trace to Cen Cal Business Finance Group for approvals in FY2017 to FY2026, $425.0 million gross. Cen Cal Business Finance Group is all SBA 504, with 523 loans and no 7(a) loans credited. For 523 504 loans, Cen Cal Business Finance Group stands as the lender of record. Cen Cal Business Finance Group does not guarantee 523 loans; SBA does. Cen Cal Business Finance Group 504 projects: first-lien lenders go uncredited.

Cen Cal Business Finance Group: classes and states

Cen Cal Business Finance Group lists Medical office (physicians), 39, Gas station and truck stop, 31, Dental office, 17, Hotel and motel, 13 and Full-service restaurant, 12 loans among its leading classes. The biggest block of Cen Cal Business Finance Group loans, 351, fits no tracked class. Cen Cal Business Finance Group shows a single state: California, 523 loans.

Cen Cal Business Finance Group outcome floors

Cen Cal Business Finance Group approvals cancelled after approval, FY2017 to FY2024: 10.1%, a floor. Cen Cal Business Finance Group has a ceiling of 12.0% once undisbursed approvals count as cancelled. Cen Cal Business Finance Group rate: withheld, with fewer than 30 of 523 loans disbursed in FY2017 to FY2021. Cen Cal Business Finance Group figure: withheld by Loan Analytics' own rule. Cen Cal Business Finance Group: each rate is the least SBA shows.

Cen Cal Business Finance Group record and a borrower's study

Cen Cal Business Finance Group: 39 loans in the Medical office (physicians) class. Cen Cal Business Finance Group study must prove payer mix. 39 Medical office (physicians) loans leave referral base open. Cen Cal Business Finance Group history says nothing on lease-up path. Cen Cal Business Finance Group: 31 loans in the Gas station and truck stop class. Cen Cal Business Finance Group study must prove site traffic. 31 Gas station and truck stop loans do not settle fuel margin. Cen Cal Business Finance Group total of $425.0 million says nothing about any one site. 351 Cen Cal Business Finance Group loans fit no tracked class. Cen Cal Business Finance Group: the project must carry the case. For 523 Cen Cal Business Finance Group loans in California, local evidence still decides. 523 504 loans at Cen Cal Business Finance Group: show first-lien debt and equity. Cen Cal Business Finance Group: ask directly what it needs to see. 523 loans at Cen Cal Business Finance Group do not measure demand at one site. Cen Cal Business Finance Group totals trail supply near the site. Cen Cal Business Finance Group study revenue assumptions need written support. Cen Cal Business Finance Group request needs build cost from quotes. Cen Cal Business Finance Group debt service needs a cautious revenue case. Cen Cal Business Finance Group history cannot stand in for an appraisal. Cen Cal Business Finance Group study should state its downside case. Cen Cal Business Finance Group: assumptions stated, coverage tested, value supported. Cen Cal Business Finance Group carries $425.0 million in gross approvals on 523 loans. Cen Cal Business Finance Group loan equity should be stated plainly.

Cen Cal Business Finance Group cancellation floors stop at FY2024 approvals. Cen Cal Business Finance Group totals take in FY2025 and FY2026 approvals. Cen Cal Business Finance Group figures describe loans held, not lender practices. 523 loans cannot predict one new request to Cen Cal Business Finance Group. For Cen Cal Business Finance Group, a withheld value is never a zero.

SBA loans held by Cen Cal Business Finance Group

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	523
Gross dollars approved	$425.0 million
SBA 7(a) loans	0
SBA 504 loans	523

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)	12.0%
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	351
Medical office (physicians)	39
Gas station and truck stop	31
Dental office	17
Hotel and motel	13
Full-service restaurant	12
Automotive mechanical repair (car and truck)	10
Veterinary clinic	5
Rehabilitation and therapy clinic	5
Limited-service restaurant	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	523

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-0188131.

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 Cen Cal Business Finance Group or any other lender. Tell us the project and the lender's deadline, and we reply with scope, timeline and fee.

Daniel Smith, MAI

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