Paradise in SBA data

324 loans for FY2017 to FY2026 sit under Paradise Bank. At Paradise, they add up to $477.9 million in gross dollars approved. All 324 are SBA 7(a) loans, and Paradise has 0 SBA 504 loans. Paradise is recorded in Florida. The 324 figures are SBA's records of Paradise holdings. Nothing in them shows what Paradise requires. SBA, not Paradise, guarantees them. Each of the 324 sits under its latest holder.

Paradise: asset classes

Paradise has 189 loans in no named class, so Paradise class views cover part of 324. Paradise: car wash leads, at 50, full-service restaurant at 13, then gas station and truck stop at 12. Lower at Paradise: marina at 10, then limited-service restaurant at 10, next hotel and motel at 6. Next at Paradise: child care center at 6, dental office at 5. The 189 unplaced loans are the largest block at Paradise. Its class comparison of 324 rests on a minority.

Paradise: geography

The state table for Paradise lists Florida alone, at 315 loans. A project in Florida meets a Paradise book. For a project elsewhere, Paradise gives no state count.

Paradise: loan outcomes

Cancellation floor for Paradise over FY2017 to FY2024 approvals: 14.3%, among 324. Our own rule withholds the Paradise ceiling. The Paradise charge-off rate is withheld too. Paradise's cohorts are too small.

Paradise: using the figures

Paradise figures form a map of holdings. 324 loans show where Paradise stands as holder. The 14.3% cancellation floor shows how Paradise approvals fared. It forecasts no Paradise request. A Paradise project has demand and cost. A Paradise borrower should name which of the 324 loans look like it. Differences matter to Paradise as much as likenesses. 324 loans, plainly told, let Paradise judge the study. A floor of 14.3% at Paradise describes the past, not the future.

Paradise: study tests

Preparing a request to Paradise? Read 324 loans as background for Paradise. Car wash borrowers at Paradise meet 50 loans, the closest comparison. Paradise: the study tests volume per bay. Paradise needs equipment cost tested too. Show Paradise coverage in a slow year too. Paradise needs an appraisal that supports it. Paradise offers just 189 unplaced loans for an unnamed type. Paradise's study makes the case. Paradise holds 315 loans in Florida. Elsewhere, Paradise holdings need a reason. At Paradise, a cancellation floor of 14.3% means approval is not funding. The Paradise study should allow for delay.

SBA loans held by Paradise 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	324
Gross dollars approved	$477.9 million
SBA 7(a) loans	324
SBA 504 loans	0

Cancellation and charge-off

Cancelled after approval, FY2017 to FY2024 approvals (a floor)	14.3%
The same, counting loans still undisbursed as cancelled (a ceiling)	withheld
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	189
Car wash	50
Full-service restaurant	13
Gas station and truck stop	12
Marina	10
Limited-service restaurant	10
Hotel and motel	6
Child care center	6
Dental office	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
Florida	315

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-58030.

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 Paradise 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

Paradise Bank: SBA Lending Record