Banesco USA
Headquartered in Miami, FL. Analysis based on 321 SBA 7(a) loans approved between FY2020 and 2025-12-31, totaling $245.2M.
Total 7(a) loans
321
Total approved
$245.2M
Average loan
$764K
States funded in
36
Charge-off rate
0.00%
FY2020–FY2023 cohort
Paid-in-full rate
10.10%
Average rate
8.76%
Average term
157 mo
Top 10 industries financed
| NAICS | Industry | Loans |
|---|---|---|
| 624410 | Child Day Care Services | 13 |
| 722511 | Full-Service Restaurants | 13 |
| 238220 | Plumbing, Heating, and Air-Conditioning Contractors | 12 |
| 621310 | Offices of Chiropractors | 9 |
| 812199 | Other Personal Care Services | 8 |
| 238990 | All Other Specialty Trade Contractors | 7 |
| 423820 | Farm and Garden Machinery and Equipment Merchant Wholesalers | 6 |
| 811111 | General Automotive Repair | 6 |
| 238210 | Electrical Contractors | 5 |
| 621610 | Home Health Care Services | 5 |
Top 10 states
| State | Loans |
|---|---|
| FL | 163 |
| CA | 25 |
| TX | 19 |
| OR | 10 |
| NJ | 9 |
| NC | 8 |
| PA | 8 |
| WA | 8 |
| VA | 5 |
| MD | 5 |
Top franchise brands financed
33 franchise loans across 29 distinct brands.
| Franchise | Loans |
|---|---|
| PostalAnnex+ (Retail Center) | 2 |
| The Lash Lounge | 2 |
| MaidPro | 2 |
| Crumbl | 2 |
| 911 Restoration | 1 |
| Kumon | 1 |
| Cody's Original Roadhouse | 1 |
| One Hour Air Conditioning & He | 1 |
| Precision Door Service | 1 |
| Your Pie | 1 |
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Data source & methodology
All figures computed from the SBA Office of Capital Access FOIA dataset (7(a) loans, FY2020–present, as of 2025-12-31). Charge-off and paid-in-full rates are calculated on the FY2020–FY2023 cohort only, so loans have had time to mature. Charge-off rank covers lenders with ≥500 mature loans.