Dime Commercial Bank in the SBA file

In SBA's public file, Dime Commercial Bank stands as present or last holder of 388 loans approved across FY2017 to FY2026, for $402.7 million of gross dollars. The 7(a) side takes all 388 and the 504 side none. The page passes on SBA's record and gives no opinion on the bank's practices or its credit standards.

Class counts: food service in front

255 loans fall outside the asset classes. Full-service restaurant has 41 of the classed loans, limited-service restaurant 19, liquor store 9, medical office (physicians) 8 and fitness center 8. Beverage manufacturing (breweries, wineries, distilleries) has 7. A liquor store study covers licence timing and local rules along with sales and the margin on inventory; a restaurant study covers rent and labor against seat sales; a fitness study covers membership depth and the cost of the buildout.

New York at the top

New York has 339 loans and New Jersey 33. These two states are the entire list. The file therefore describes a regional holder, and a borrower outside those two states will find no matching record.

A high cancellation floor, and a ceiling that matches

Dime Commercial Bank shows a cancellation floor of 16.2% across FY2017 to FY2024 approvals, with the ceiling at that same 16.2%. That equality means no loans in that group were still waiting to disburse. Dime's charge-off rate is absent, since Loan Analytics withholds it under its own rule. The blank is not zero, and that cancellation level tells us only that a large share of approvals never went on to disburse; the file gives no reason, and this page offers none.

Putting it to use

A lender page helps a borrower choose whom to approach. A study proves the project: the demand around the site, what building and equipping it will cost, whether income covers the loan in a bad year and what an appraiser can support. It also records the assumptions behind each of those, so a reader can see which ones matter most. Bring that proof, and read this record as background. A thorough study also shows how the project holds up when costs run over or opening is delayed.

SBA loans held by Dime Commercial 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	388
Gross dollars approved	$402.7 million
SBA 7(a) loans	388
SBA 504 loans	0

Cancellation and charge-off

Cancelled after approval, FY2017 to FY2024 approvals (a floor)	16.2%
The same, counting loans still undisbursed as cancelled (a ceiling)	16.2%
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	255
Full-service restaurant	41
Limited-service restaurant	19
Liquor store	9
Medical office (physicians)	8
Fitness center	8
Beverage manufacturing (breweries, wineries, distilleries)	7
Grocery store	7
Caterers (includes banquet halls with catering staff)	6
Child care center	6
Rehabilitation and therapy clinic	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
New York	339
New Jersey	33

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-6976.

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 Dime Commercial 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

Dime Commercial Bank: SBA Lending Record