Commonwealth Business Bank
Headquartered in LOS ANGELES, CA. Analysis based on 980 SBA 7(a) loans approved between FY2020 and 2025-12-31, totaling $1.25B.
Risk ranking: Among 65 lenders with 500+ mature SBA 7(a) loans (FY2020–FY2023),
Commonwealth Business Bank ranks #1 by charge-off rate (0.00%).
Total 7(a) loans
980
Total approved
$1.25B
Average loan
$1.3M
States funded in
32
Charge-off rate
0.00%
FY2020–FY2023 cohort
Paid-in-full rate
26.76%
Average rate
6.79%
Average term
224 mo
Top 10 industries financed
| NAICS | Industry | Loans |
|---|---|---|
| 445120 | Convenience Stores | 107 |
| 721110 | Hotels (except Casino Hotels) and Motels | 101 |
| 722511 | Full-Service Restaurants | 82 |
| 447110 | Gasoline Stations with Convenience Stores | 67 |
| 722513 | Limited-Service Restaurants | 50 |
| 445110 | Supermarkets and Other Grocery (except Convenience) Stores | 37 |
| 623312 | Homes for the Elderly | 24 |
| 445310 | Beer, Wine, and Liquor Stores | 21 |
| 812310 | Coin-Operated Laundries and Drycleaners | 19 |
| 722515 | Snack and Nonalcoholic Beverage Bars | 17 |
Top 10 states
| State | Loans |
|---|---|
| CA | 580 |
| TX | 125 |
| WA | 68 |
| GA | 65 |
| NY | 18 |
| CO | 14 |
| HI | 13 |
| OR | 12 |
| NV | 12 |
| AZ | 8 |
Top franchise brands financed
202 franchise loans across 96 distinct brands.
| Franchise | Loans |
|---|---|
| La Quinta by Wyndham a.k.a. La | 8 |
| Golden Chick | 8 |
| AM/PM Mini-Mart Agreement - AR | 8 |
| Phillips 66 Branded Reseller A | 7 |
| Motel 6 | 7 |
| Chevron - Retail Supply Contra | 6 |
| Quality Inn by Choice Hotels / | 5 |
| Boyett Petroleum - (76 Brand) | 5 |
| Cold Stone Creamery | 4 |
| Days Inn by Wyndham | 4 |
Get matched with SBA lenders — free
Tell us a bit about your funding need and we'll connect you to SBA-preferred lenders active in your industry and state. No obligation.
We never sell your data. You'll be connected only to lenders matching your criteria.
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.