Beneficial State Bank
Headquartered in OAKLAND, CA. Analysis based on 51 SBA 7(a) loans approved between FY2020 and 2025-12-31, totaling $46.0M.
Total 7(a) loans
51
Total approved
$46.0M
Average loan
$903K
States funded in
3
Charge-off rate
0.00%
FY2020–FY2023 cohort
Paid-in-full rate
14.29%
Average rate
5.97%
Average term
212 mo
Top 10 industries financed
| NAICS | Industry | Loans |
|---|---|---|
| 531120 | Lessors of Nonresidential Buildings (except Miniwarehouses) | 5 |
| 722511 | Full-Service Restaurants | 4 |
| 531190 | Lessors of Other Real Estate Property | 4 |
| 541110 | Offices of Lawyers | 2 |
| 323111 | Commercial Gravure Printing | 2 |
| 484220 | Specialized Freight (except Used Goods) Trucking, Local | 2 |
| 624120 | Services for the Elderly and Persons with Disabilities | 2 |
| 236115 | New Single-Family Housing Construction (except Operative Builders) | 1 |
| 238910 | Site Preparation Contractors | 1 |
| 336212 | Truck Trailer Manufacturing | 1 |
Top 10 states
| State | Loans |
|---|---|
| OR | 25 |
| WA | 13 |
| CA | 13 |
Top franchise brands financed
3 franchise loans across 2 distinct brands.
| Franchise | Loans |
|---|---|
| Navis Pack & Ship (Commercial | 2 |
| Servpro | 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.