Growth Capital Corp.: SBA Lending Record

What SBA's own loan files show about Growth Capital Corp. as an SBA lender, and how a lender's record bears on a feasibility study.

Daniel Smith, MAI

Size of the SBA record at Growth Capital Corp.

563 loans, FY2017 to FY2026 approvals, sit under Growth Capital Corp., in SBA's holder field. Growth Capital Corp., loans reach $265.3 million in gross approved dollars. These 563 loans are ones SBA shows Growth Capital Corp., holding or having held. SBA, never Growth Capital Corp., is the guarantor. Growth Capital Corp., program split: 262 under 7(a), 301 under 504, with 504 ahead. As CDC, Growth Capital Corp., is SBA's 504 holder. Growth Capital Corp., projects: first-lien lenders go uncredited.

401 of 563 loans, held by Growth Capital Corp., sit in no listed asset class. At Growth Capital Corp., rows by class cover the remainder. Growth Capital Corp., rows put full-service restaurant first, 26 of 563 loans. After that, 19 loans in limited-service restaurant, 15 in hotel and motel and child care center with 11 loans. Further down Growth Capital Corp.: car wash at 10, dental office (10) and 8 loans in beverage manufacturing. Full-service restaurant: across 563 loans, check Growth Capital Corp., for it.

At Growth Capital Corp.: cancellations and charge-offs

Growth Capital Corp., cancellation floor stands at 33.8%, counting FY2017 to FY2024 approvals. Count undisbursed Growth Capital Corp., loans as cancelled and the ceiling becomes 35.2%. Between 33.8% and 35.2% lie Growth Capital Corp., approvals SBA still shows undisbursed. Among 228 loans disbursed FY2017 to FY2021, Growth Capital Corp., has 2.6% charged off, a floor. No five-year Growth Capital Corp., figure is printed by Loan Analytics. Growth Capital Corp., outcomes show; reasons do not. Growth Capital Corp., cohort rates cover FY2017 to FY2021 disbursements. Growth Capital Corp.: 33.8% is a floor, 563 loans notwithstanding, not a forecast. Growth Capital Corp., rates stay floors; 563 loans could still lift 33.8%.

Growth Capital Corp.: what a borrower can take

Growth Capital Corp., a Certified Development Company, comes with 563 loans of background. Nothing in Growth Capital Corp., rows states what Growth Capital Corp., asks of an applicant. For Growth Capital Corp., weigh limited-service restaurant, 563 loans deep, and the project against the home market. Growth Capital Corp., projects: first-lien lenders go unrecorded; 563 loans or not, the study names them.

563 loans at Growth Capital Corp.: context only. For Growth Capital Corp., a project proves itself alone in the home market. Full-service restaurant demand: 563 loans at Growth Capital Corp., set none; the home market conditions decide, not Growth Capital Corp. Test cost line by line, 563 loans set aside. 563 loans give Growth Capital Corp., breadth, not depth. For Growth Capital Corp., a margin that survives 35.2%, not only 33.8%, serves the study. Growth Capital Corp., aside, debt service coverage keeps 33.8% and 35.2% in view, on stabilized income. Collateral for Growth Capital Corp., rests on the appraisal. Growth Capital Corp.: a study delivers a file, never approval.

SBA loans held by Growth Capital Corp.

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	563
Gross dollars approved	$265.3 million
SBA 7(a) loans	262
SBA 504 loans	301

Cancellation and charge-off

Cancelled after approval, FY2017 to FY2024 approvals (a floor)	33.8%
The same, counting loans still undisbursed as cancelled (a ceiling)	35.2%
Charged off to date, FY2017 to FY2021 disbursed loans (a floor)	2.6%
Charged off within five years of approval	withheld
Loans in that cohort	228

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	401
Full-service restaurant	26
Limited-service restaurant	19
Hotel and motel	15
Child care center	11
Car wash	10
Dental office	10
Beverage manufacturing (breweries, wineries, distilleries)	8
Automotive mechanical repair (car and truck)	8
School (elementary and secondary, including charter)	7
Fitness center	7

Classes with 5 or more loans; smaller ones are withheld, and more where a small one could be derived.

The state breakdown is withheld, so that no group of fewer than 5 loans can 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-0188113.

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 Growth Capital Corp. 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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