GBank: SBA Lending Record

$2.88 billion in gross dollars sits behind GBank's 1,128 approved loans, FY2017 to FY2026. 1,128 loans, all in 7(a), stand against GBank; none are 504. For 1,128 loans, SBA's record names GBank as the lender. GBank holds 1,128 loans that SBA guarantees.

What GBank holds, by class and state

GBank puts its largest named classes at Hotel and motel, 839, Gas station and truck stop, 29, Full-service restaurant, 9, Limited-service restaurant, 9 and Liquor store, 8 loans. GBank: a further 188 loans fit no tracked class. GBank leans on North Carolina, 169, Ohio, 78, Illinois, 75, Texas, 73 and South Carolina, 67 loans, by state.

GBank: cancellations and charge-offs

GBank has a cancellation floor of 5.8% across FY2017 to FY2024 approvals. GBank has a ceiling of 5.8% once undisbursed approvals count as cancelled. At GBank, 1.4% of 370 loans were charged off, a floor. The GBank cohort covers FY2017 to FY2021 disbursements. GBank five-year view: withheld by Loan Analytics. GBank: each rate is the least SBA shows.

GBank record and a borrower's study

GBank counts 839 loans in the Hotel and motel class. GBank study needs renovation reserves. For 839 Hotel and motel loans, room supply nearby stays open. GBank history says nothing on rate and occupancy. GBank counts 29 loans in the Gas station and truck stop class. GBank study needs fuel margin. 29 Gas station and truck stop loans do not settle lot environment. GBank total of $2.88 billion says nothing about any one site. GBank also has 188 loans in no tracked class. GBank: the project must carry the case. For 169 GBank loans in North Carolina, local evidence still decides. GBank: ask directly what it needs to see. GBank shows 1,128 loans, not demand at any one site. GBank: competing supply near the site matters most. GBank study: written support behind each revenue figure. GBank request: build cost quoted, not assumed. GBank request: coverage holds on cautious revenue.Valuing the property is a separate task from reading the GBank record. GBank study needs a downside case in writing. GBank: assumptions stated, coverage tested, value supported. GBank carries $2.88 billion in gross approvals on 1,128 loans. GBank equity belongs in the study.

GBank cancellation floors stop at FY2024 approvals. GBank totals add FY2025 and FY2026 approvals. The GBank cohort holds 370 loans, disbursed FY2017 to FY2021. GBank figures describe loans held, not lender practices. GBank history of 1,128 loans promises nothing to a new borrower. For GBank, a withheld value is never a zero.