Enterprise Bank & Trust: SBA Lending Record
What SBA's own loan files show about Enterprise Bank & Trust as an SBA lender, and how a lender's record bears on a feasibility study.
SBA's public loan files credit Enterprise Bank & Trust with 2,847 loans approved from FY2017 to FY2026, for $3.39 billion in gross dollars. The $3.39 billion for Enterprise Bank & Trust counts approved dollars, not balances. Enterprise Bank & Trust holds all 2,847 loans under SBA 7(a). Enterprise Bank & Trust has 0 loans under SBA 504. Enterprise Bank & Trust holds or held every loan listed. 2,847 loans carry SBA's guarantee, not Enterprise Bank & Trust's. Enterprise Bank & Trust is the lender SBA shows holding 2,847 loans now, or last holding them. For Enterprise Bank & Trust, the split means SBA 7(a) only: 2,847 loans. Here, Enterprise Bank & Trust means the holder SBA names. Enterprise Bank & Trust's 2,847 loans span FY2017 to FY2026 approvals.
Enterprise Bank & Trust: asset classes and states
Classes for Enterprise Bank & Trust begin with hotel and motel with 144 loans; full-service restaurant with 128 loans; gas station and truck stop with 112 loans. Outside those classes, the file credits Enterprise Bank & Trust with 1,805 more loans. Enterprise Bank & Trust's list shows a slice of 2,847 loans. Enterprise Bank & Trust lists 144 loans in hotel and motel. Enterprise Bank & Trust's state listing: California with 1,236 loans; Texas with 357 loans; Arizona with 209 loans. Enterprise Bank & Trust's sample for California sites is 1,236 loans. Enterprise Bank & Trust's counts are a map only.
Enterprise Bank & Trust: outcome floors
14.2% of Enterprise Bank & Trust approvals, FY2017 to FY2024, were cancelled. For Enterprise Bank & Trust, 14.2% is a floor. Enterprise Bank & Trust's floor stops at FY2024 approvals. Enterprise Bank & Trust shows no ceiling. Enterprise Bank & Trust falls under Loan Analytics' own rule. Enterprise Bank & Trust: the cohort runs FY2017 to FY2021. Enterprise Bank & Trust's cohort holds 1,642 disbursed loans. 0.55% of Enterprise Bank & Trust loans are charged off to date. For Enterprise Bank & Trust, 0.55% is a floor. Enterprise Bank & Trust: the two rates cover different loans. Enterprise Bank & Trust's five-year rate is withheld. For Enterprise Bank & Trust, under 30 loans means no rate.
Enterprise Bank & Trust: the study comes first
Enterprise Bank & Trust's $3.39 billion and 2,847 loans are on record. At Enterprise Bank & Trust, demand comes first: who pays? For Enterprise Bank & Trust, cost is second; 2,847 loans do not replace a quote. For Enterprise Bank & Trust, third is debt service coverage. Enterprise Bank & Trust: 0.55% and 14.2% are floors. At Enterprise Bank & Trust, the appraisal comes last: 2,847 loans cannot set your value. Enterprise Bank & Trust's record cannot settle cost. Here Enterprise Bank & Trust is a holder, not a verdict. Enterprise Bank & Trust's 2,847 loans state nothing about its requirements. Ask Enterprise Bank & Trust directly. Test first, then compare with Enterprise Bank & Trust's 2,847 loans. Ask Enterprise Bank & Trust what a complete study contains.
SBA loans held by Enterprise Bank & Trust
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 | 2,847 |
|---|---|
| Gross dollars approved | $3.39 billion |
| SBA 7(a) loans | 2,847 |
| SBA 504 loans | 0 |
Cancellation and charge-off
| Cancelled after approval, FY2017 to FY2024 approvals (a floor) | 14.2% |
|---|---|
| The same, counting loans still undisbursed as cancelled (a ceiling) | withheld |
| Charged off to date, FY2017 to FY2021 disbursed loans (a floor) | 0.55% |
| Charged off within five years of approval | withheld |
| Loans in that cohort | 1,642 |
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 | 1,805 |
| Hotel and motel | 144 |
| Full-service restaurant | 128 |
| Gas station and truck stop | 112 |
| Nonresidential lessor (flex, office and retail investor buildings) | 98 |
| Automotive mechanical repair (car and truck) | 86 |
| Child care center | 66 |
| Limited-service restaurant | 61 |
| Beauty salon | 39 |
| Car wash | 37 |
| Medical office (physicians) | 36 |
| Dental office | 28 |
| Fitness center | 27 |
| Liquor store | 24 |
| Grocery store | 23 |
| Caterers (includes banquet halls with catering staff) | 19 |
| Self storage | 16 |
| Assisted living (without nursing care) | 14 |
| Rehabilitation and therapy clinic | 14 |
| Parking lot and garage | 12 |
| Veterinary clinic | 11 |
| Coffee shop and snack bar | 11 |
| Behavioral health and addiction treatment | 7 |
| Life science lab (research and development) | 6 |
| Beverage manufacturing (breweries, wineries, distilleries) | 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 | 1,236 |
| Texas | 357 |
| Arizona | 209 |
| Washington | 196 |
| Colorado | 132 |
| Nevada | 115 |
| Oregon | 103 |
| Missouri | 77 |
| Illinois | 51 |
| Florida | 50 |
| New Mexico | 33 |
| Utah | 32 |
| Georgia | 27 |
| North Carolina | 19 |
| Kansas | 18 |
| Ohio | 18 |
| Alaska | 15 |
| Michigan | 14 |
| Wisconsin | 13 |
| Indiana | 12 |
| Idaho | 11 |
| Massachusetts | 11 |
| Minnesota | 11 |
| Nebraska | 8 |
| Tennessee | 8 |
| Oklahoma | 7 |
| Pennsylvania | 7 |
| Virginia | 7 |
| Kentucky | 5 |
| Maryland | 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-27237.
Related feasibility study pages
- SBA Lender Feasibility Study Data
- SBA feasibility study company
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