Readycap Lending, LLC: SBA Lending Record
What SBA's own loan files show about Readycap Lending, LLC as an SBA lender, and how a lender's record bears on a feasibility study.
What SBA's file shows for Readycap Lending, LLC
SBA files 11,301 loans approved in FY2017 to FY2026 under Readycap Lending, LLC as holder. Readycap Lending, LLC loans: $5.10 billion in gross approved dollars, 11,301 loans in all. These 11,301 loans are ones SBA shows Readycap Lending, LLC holding or having held. SBA, never Readycap Lending, LLC, is the guarantor. By program, 11,301 are 7(a), none 504, at Readycap Lending, LLC; a 7(a) book throughout. Readycap Lending, LLC appears as holder, current or last.
8,594 of 11,301 loans have no tracked class, which leaves Readycap Lending, LLC class rows thinner. Readycap Lending, LLC rows put full-service restaurant first, 437 of 11,301 loans. Then 276 in hotel and motel, beauty salon with 276 loans and gas station and truck stop at 248. Lower Readycap Lending, LLC rows: limited-service restaurant (240), 217 loans in child care center and 140 in fitness center. Smaller Readycap Lending, LLC classes: see the page table.
Readycap Lending, LLC state rows begin with 1,784 in California, Florida (1,414), 1,034 in Texas, New York (877), 495 in Georgia, New Jersey (384), 376 in Washington, North Carolina (370) and 313 in Colorado. California holds the largest share, 1,784 loans. Later states carry fewer Readycap Lending, LLC loans each; depth varies by place.
Readycap Lending, LLC: loans cancelled or charged off
10.0% is the cancellation floor at Readycap Lending, LLC, across FY2017 to FY2024 approvals. Readycap Lending, LLC ceiling: withheld by Loan Analytics. At Readycap Lending, LLC, 4.1% is charged off to date among 1,142 loans disbursed FY2017 to FY2021. For Readycap Lending, LLC, the five-year charge-off figure is 2.2%. Readycap Lending, LLC outcomes show; reasons do not. Readycap Lending, LLC cohort rates cover FY2017 to FY2021 disbursements. Readycap Lending, LLC: 10.0% is a floor, 11,301 loans notwithstanding, not a forecast. Readycap Lending, LLC: every rate here is a floor, 11,301 loans or not; 10.0% included.
Readycap Lending, LLC: what a borrower can take
Readycap Lending, LLC, a bank or lender: 11,301 recorded loans lend context. Readycap Lending, LLC has no row that says what Readycap Lending, LLC wants from a borrower. At Readycap Lending, LLC, weigh California then full-service restaurant, 11,301 loans deep, against the project. Readycap Lending, LLC: other sources go in the study.
Readycap Lending, LLC totals are context. 11,301 loans say little about a project, California or beyond it. 11,301 loans at Readycap Lending, LLC do not carry full-service restaurant demand, Readycap Lending, LLC cannot; California conditions do, not Readycap Lending, LLC. Each budget line, 11,301 loans aside, meets raised funds. 11,301 loans give Readycap Lending, LLC breadth, not depth. A 10.0% floor sets the lowest bar for Readycap Lending, LLC. Readycap Lending, LLC aside, debt service coverage keeps 10.0% in view, on stabilized income. At Readycap Lending, LLC, loan size follows appraised value. Readycap Lending, LLC: no study promises approval; 11,301 loans or none, it prepares the file.
SBA loans held by Readycap Lending, LLC
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 | 11,301 |
|---|---|
| Gross dollars approved | $5.10 billion |
| SBA 7(a) loans | 11,301 |
| SBA 504 loans | 0 |
Cancellation and charge-off
| Cancelled after approval, FY2017 to FY2024 approvals (a floor) | 10.0% |
|---|---|
| The same, counting loans still undisbursed as cancelled (a ceiling) | withheld |
| Charged off to date, FY2017 to FY2021 disbursed loans (a floor) | 4.1% |
| Charged off within five years of approval | 2.2% |
| Loans in that cohort | 1,142 |
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 | 8,594 |
| Full-service restaurant | 437 |
| Hotel and motel | 276 |
| Beauty salon | 276 |
| Gas station and truck stop | 248 |
| Limited-service restaurant | 240 |
| Child care center | 217 |
| Fitness center | 140 |
| Dental office | 132 |
| Medical office (physicians) | 96 |
| Coffee shop and snack bar | 91 |
| Automotive mechanical repair (car and truck) | 87 |
| Grocery store | 69 |
| Liquor store | 66 |
| Rehabilitation and therapy clinic | 56 |
| Car wash | 37 |
| Assisted living (without nursing care) | 33 |
| Caterers (includes banquet halls with catering staff) | 32 |
| Veterinary clinic | 28 |
| Data center | 24 |
| Beverage manufacturing (breweries, wineries, distilleries) | 23 |
| Behavioral health and addiction treatment | 22 |
| RV park and campground | 10 |
| School (elementary and secondary, including charter) | 10 |
| Skilled nursing | 9 |
| Diagnostic imaging center | 7 |
| Self storage | 6 |
| Parking lot and garage | 6 |
| Warehouse and distribution | 5 |
| Life science lab (research and development) | 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 |
|---|---|
| California | 1,784 |
| Florida | 1,414 |
| Texas | 1,034 |
| New York | 877 |
| Georgia | 495 |
| New Jersey | 384 |
| Washington | 376 |
| North Carolina | 370 |
| Colorado | 313 |
| Illinois | 295 |
| Virginia | 273 |
| Pennsylvania | 241 |
| Ohio | 232 |
| Maryland | 231 |
| Arizona | 229 |
| Michigan | 209 |
| Oregon | 201 |
| Tennessee | 194 |
| South Carolina | 162 |
| Massachusetts | 149 |
| Nevada | 142 |
| Indiana | 124 |
| Wisconsin | 120 |
| Louisiana | 117 |
| Utah | 112 |
| Connecticut | 109 |
| Missouri | 108 |
| Alabama | 105 |
| Minnesota | 95 |
| Kentucky | 76 |
| Oklahoma | 69 |
| Kansas | 61 |
| Idaho | 55 |
| New Mexico | 52 |
| Arkansas | 49 |
| Mississippi | 48 |
| Hawaii | 45 |
| Nebraska | 45 |
| Montana | 42 |
| District of Columbia | 38 |
| Iowa | 35 |
| New Hampshire | 29 |
| Rhode Island | 27 |
| Delaware | 25 |
| Alaska | 21 |
| West Virginia | 21 |
| Maine | 19 |
| Wyoming | 18 |
| North Dakota | 12 |
| South Dakota | 12 |
| Vermont | 7 |
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-name-readycap-lending.
Related feasibility study pages
- SBA Lender Feasibility Study Data
- Feasibility studies for SBA 7(a) and 504 loans
- Trenton Business Assistance Corporation: SBA Lending Record
- New Millennium Bank: SBA Lending Record
- Provident Bank: SBA Lending Record
- Valley National Bank: SBA Lending Record
- Peapack Private Bank and Trust: SBA Lending Record
- The Bank of Princeton: SBA Lending Record
- ConnectOne Bank: SBA Lending Record
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