CDC Small Business Finance Corp.
Headquartered in San Diego, CA. Analysis based on 1,644 SBA 7(a) loans approved between FY2020 and 2025-12-31, totaling $262.2M.
Risk ranking: Among 65 lenders with 500+ mature SBA 7(a) loans (FY2020–FY2023),
CDC Small Business Finance Corp. ranks #65 by charge-off rate (12.58%).
Total 7(a) loans
1,644
Total approved
$262.2M
Average loan
$159K
States funded in
40
Charge-off rate
12.58%
FY2020–FY2023 cohort
Paid-in-full rate
17.79%
Average rate
10.47%
Average term
114 mo
Top 10 industries financed
| NAICS | Industry | Loans |
|---|---|---|
| 621610 | Home Health Care Services | 55 |
| 722513 | Limited-Service Restaurants | 50 |
| 713940 | Fitness and Recreational Sports Centers | 49 |
| 722511 | Full-Service Restaurants | 42 |
| 812199 | Other Personal Care Services | 33 |
| 624410 | Child Day Care Services | 32 |
| 722515 | Snack and Nonalcoholic Beverage Bars | 29 |
| 812910 | Pet Care (except Veterinary) Services | 27 |
| 811111 | General Automotive Repair | 26 |
| 812990 | All Other Personal Services | 25 |
Top 10 states
| State | Loans |
|---|---|
| CA | 1,043 |
| TX | 100 |
| AZ | 92 |
| FL | 67 |
| MI | 59 |
| NV | 47 |
| GA | 45 |
| MD | 30 |
| NY | 24 |
| VA | 19 |
Top franchise brands financed
184 franchise loans across 101 distinct brands.
| Franchise | Loans |
|---|---|
| Nurse Next Door | 28 |
| CarePatrol | 9 |
| United Water Restoration Group | 7 |
| AtWork | 6 |
| Subway | 4 |
| The Back Nine | 4 |
| Unishippers | 4 |
| Amada Senior Care | 4 |
| The UPS Store (f/k/a Mail Box | 4 |
| Hydrate IV Bar | 3 |
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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.