Heritage Bank of Commerce
Headquartered in SAN JOSE, CA. Analysis based on 104 SBA 7(a) loans approved between FY2020 and 2025-12-31, totaling $79.1M.
Total 7(a) loans
104
Total approved
$79.1M
Average loan
$761K
States funded in
2
Charge-off rate
1.32%
FY2020–FY2023 cohort
Paid-in-full rate
35.53%
Average rate
8.03%
Average term
158 mo
Top 10 industries financed
| NAICS | Industry | Loans |
|---|---|---|
| 722511 | Full-Service Restaurants | 9 |
| 541110 | Offices of Lawyers | 5 |
| 238110 | Poured Concrete Foundation and Structure Contractors | 5 |
| 713940 | Fitness and Recreational Sports Centers | 5 |
| 561730 | Landscaping Services | 4 |
| 624410 | Child Day Care Services | 4 |
| 445110 | Supermarkets and Other Grocery (except Convenience) Stores | 3 |
| 621610 | Home Health Care Services | 3 |
| 722513 | Limited-Service Restaurants | 3 |
| 451120 | Hobby, Toy, and Game Stores | 2 |
Top 10 states
| State | Loans |
|---|---|
| CA | 103 |
| NV | 1 |
Top franchise brands financed
8 franchise loans across 6 distinct brands.
| Franchise | Loans |
|---|---|
| Robert V. Jensen, Inc (RVJ) | 2 |
| Title Boxing Club | 2 |
| Capriotti's Sandwich Shop | 1 |
| Fred Astaire Dance Studios | 1 |
| The Lash Lounge | 1 |
| Ace Hardware | 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.