Evergreen Business Capital: SBA Lending Record
What SBA's own loan files show about Evergreen Business Capital as an SBA lender, and how a lender's record bears on a feasibility study.
The FY2017 to FY2026 record for Evergreen Business Capital runs to 1,108 approved loans and $997.4 million gross. The $997.4 million for Evergreen Business Capital counts approved dollars, not balances. Evergreen Business Capital shows 33 SBA 7(a) loans beside 1,075 SBA 504 loans. 1,108 loans are records SBA keeps on Evergreen Business Capital. SBA, not Evergreen Business Capital, carries each guarantee. For SBA 504, Evergreen Business Capital is the CDC. SBA 504 credits Evergreen Business Capital, not first-lien lenders. The 1,075 SBA 504 loans are credited to Evergreen Business Capital. Evergreen Business Capital has 33 7(a) loans assigned to it. Evergreen Business Capital may meet a study under either program: 33 loans sit under SBA 7(a), 1,075 under SBA 504. Here, Evergreen Business Capital means the holder SBA names. Evergreen Business Capital's 1,108 loans span FY2017 to FY2026 approvals.
Evergreen Business Capital: where the loans sit
For Evergreen Business Capital, these classes lead: hotel and motel with 49 loans; dental office with 48 loans; full-service restaurant with 42 loans. Another 723 loans credited to Evergreen Business Capital fall outside all of those classes. Evergreen Business Capital's 1,108 loans: a slice sits in named classes. Evergreen Business Capital lists 49 loans in hotel and motel. Evergreen Business Capital loans lead, by state, in Washington with 548 loans; Oregon with 359 loans; Alaska with 184 loans. Evergreen Business Capital's sample for Washington sites is 548 loans. Evergreen Business Capital's counts are a map only.
Evergreen Business Capital: cancelled and charged-off loans
8.2% of Evergreen Business Capital approvals, FY2017 to FY2024, were cancelled. For Evergreen Business Capital, 8.2% is a floor. Evergreen Business Capital's floor stops at FY2024 approvals. For Evergreen Business Capital, 8.8% is the ceiling. The Evergreen Business Capital ceiling counts undisbursed loans as cancelled. The Evergreen Business Capital rate sits between 8.2% and 8.8%. Evergreen Business Capital: the cohort runs FY2017 to FY2021. Evergreen Business Capital's cohort holds 610 disbursed loans. 1.5% of Evergreen Business Capital loans are charged off to date. For Evergreen Business Capital, 1.5% is a floor. Evergreen Business Capital: the two rates cover different loans. Evergreen Business Capital's five-year rate is withheld. For Evergreen Business Capital, under 30 loans means no rate.
Evergreen Business Capital: what a study must test
Evergreen Business Capital's $997.4 million and 1,108 loans are on record. At Evergreen Business Capital, demand comes first: who pays? For Evergreen Business Capital, cost is second; 1,108 loans do not replace a quote. For Evergreen Business Capital, third is debt service coverage. Evergreen Business Capital: 1.5% and 8.2% are floors. At Evergreen Business Capital, the appraisal comes last: 1,108 loans cannot set your value. Evergreen Business Capital's record cannot settle cost. Here Evergreen Business Capital is a holder, not a verdict. Evergreen Business Capital's 1,108 loans state nothing about its requirements. Ask Evergreen Business Capital directly. Test first, then compare with Evergreen Business Capital's 1,108 loans. Ask Evergreen Business Capital what a complete study contains.
SBA loans held by Evergreen Business Capital
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.
One organisation under two SBA identifiers: a CDC (504) that also lends under 7(a), linked by equal normalised name and equal lender state (manifests/ld2/lender-links.csv).
| Loans approved, FY2017 to FY2026 | 1,108 |
|---|---|
| Gross dollars approved | $997.4 million |
| SBA 7(a) loans | 33 |
| SBA 504 loans | 1,075 |
Cancellation and charge-off
| Cancelled after approval, FY2017 to FY2024 approvals (a floor) | 8.2% |
|---|---|
| The same, counting loans still undisbursed as cancelled (a ceiling) | 8.8% |
| Charged off to date, FY2017 to FY2021 disbursed loans (a floor) | 1.5% |
| Charged off within five years of approval | withheld |
| Loans in that cohort | 610 |
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 | 723 |
| Hotel and motel | 49 |
| Dental office | 48 |
| Full-service restaurant | 42 |
| Automotive mechanical repair (car and truck) | 33 |
| Limited-service restaurant | 20 |
| Gas station and truck stop | 18 |
| Medical office (physicians) | 18 |
| Child care center | 17 |
| Self storage | 16 |
| Rehabilitation and therapy clinic | 16 |
| Beauty salon | 15 |
| Veterinary clinic | 14 |
| Beverage manufacturing (breweries, wineries, distilleries) | 13 |
| Fitness center | 13 |
| Assisted living (without nursing care) | 11 |
| Car wash | 9 |
| Grocery store | 7 |
| Coffee shop and snack bar | 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 |
|---|---|
| Washington | 548 |
| Oregon | 359 |
| Alaska | 184 |
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-0188239.
Related feasibility study pages
- SBA Lender Feasibility Study Data
- SBA feasibility study company
- Banner Bank: SBA Lending Record
- Washington Trust Bank: SBA Lending Record
- Northwest Business Development Association: SBA Lending Record
- Heritage Bank (WA): SBA Lending Record
- Sound Credit Union: SBA Lending Record
- Harborstone CU: SBA Lending Record
- Ameritrust CDC: SBA Lending Record
- WaFd Bank: SBA Lending Record
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