Premier Capital Corporation: SBA Lending Record

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

Daniel Smith, MAI

The Premier Capital Corporation record at a glance

Under Premier Capital Corporation as holder, SBA lists 440 loans from FY2017 to FY2026. Premier Capital Corporation loans reach $330.3 million in gross approved dollars. Each Premier Capital Corporation figure covers loans held, 440, now or earlier. SBA guarantees them; Premier Capital Corporation does not. SBA tags 440 as 504, none 7(a), under Premier Capital Corporation. SBA lists Premier Capital Corporation, a CDC, as 504 holder. Premier Capital Corporation projects: first-lien lenders go uncredited.

440 loans sit at Premier Capital Corporation, 296 with no tracked class; the others fill Premier Capital Corporation class rows. Premier Capital Corporation class rows open with full-service restaurant, 30 of 440 loans. Then hotel and motel with 25 loans, gas station and truck stop at 11 and car wash (10). Further down Premier Capital Corporation: 8 loans in dental office, 8 in beauty salon and beverage manufacturing with 7 loans. Full-service restaurant: across 440 loans, check Premier Capital Corporation for it.

Premier Capital Corporation: floors on cancelled and charged-off loans

Premier Capital Corporation cancellation floor stands at 16.8%, counting FY2017 to FY2024 approvals. Count undisbursed Premier Capital Corporation loans as cancelled and the ceiling becomes 19.9%. Between 16.8% and 19.9% lie Premier Capital Corporation approvals SBA still shows undisbursed. Premier Capital Corporation: 0.00% is charged off, a floor, across 217 loans disbursed FY2017 to FY2021. Premier Capital Corporation: 0.00% charged off within five years. Premier Capital Corporation outcomes show; reasons do not. Premier Capital Corporation cohort rates cover FY2017 to FY2021 disbursements. Premier Capital Corporation: 16.8% is a floor, 440 loans notwithstanding, not a forecast. Premier Capital Corporation rates stay floors; 440 loans could still lift 16.8%.

Premier Capital Corporation: a borrower's view

Premier Capital Corporation, a Certified Development Company: 440 recorded loans lend context. Premier Capital Corporation credit standards stay undescribed. At Premier Capital Corporation, weigh the surrounding market then full-service restaurant, 440 loans deep, against the project. Each Premier Capital Corporation project has a first-lien lender, uncredited; 440 loans name none. The study should.

440 loans at Premier Capital Corporation are context only. For the project, the surrounding market or elsewhere, Premier Capital Corporation proves nothing. Full-service restaurant demand: 440 loans at Premier Capital Corporation set none; the surrounding market conditions decide, not Premier Capital Corporation. Test cost line by line, 440 loans set aside. 440 loans give Premier Capital Corporation breadth, not depth. For Premier Capital Corporation, a margin that survives 19.9%, not only 16.8%, serves the study. At Premier Capital Corporation, debt service coverage keeps 16.8% in view across 440 loans. Collateral for Premier Capital Corporation rests on the appraisal. Premier Capital Corporation: no study promises approval; 440 loans or none, it prepares the file.

SBA loans held by Premier Capital Corporation

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	440
Gross dollars approved	$330.3 million
SBA 7(a) loans	0
SBA 504 loans	440

Cancellation and charge-off

Cancelled after approval, FY2017 to FY2024 approvals (a floor)	16.8%
The same, counting loans still undisbursed as cancelled (a ceiling)	19.9%
Charged off to date, FY2017 to FY2021 disbursed loans (a floor)	0.00%
Charged off within five years of approval	0.00%
Loans in that cohort	217

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	296
Full-service restaurant	30
Hotel and motel	25
Gas station and truck stop	11
Car wash	10
Dental office	8
Beauty salon	8
Beverage manufacturing (breweries, wineries, distilleries)	7
Rehabilitation and therapy clinic	7
Limited-service restaurant	7
Child care center	5

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-0188155.

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 Premier Capital Corporation 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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