County1st of 1 in Guam by approvals
SBA loans in Guam, Guam
7(a) and 504 approvals to businesses located in the county, set against the number of businesses there and against the state.
SBA approvals by fiscal year. The federal fiscal year runs 1 October to 30 September, so FY2025 is 1 October 2024 to 30 September 2025. *FY2026 is open: approvals to 30 Jun 2026 only.
SBA approved 36 loans to businesses in Guam, Guam, in FY2021 to FY2025, worth $11.9M: 33 under 7(a) and 3 under 504.
The Census Bureau publishes no establishment count for it, so approvals cannot be set against the number of businesses.
It ranks 1st of 1 Guam counties with approvals. In FY2025 there were 7, down 36% on FY2024.
4 lenders had approvals here; the most active were Coast360 FCU (20), Bank of Guam (12) and HEDCO Local Development Corporation (3). The most common industry was restaurants and other eating places.
Loan status is as recorded by SBA at the data date; charge-off rates are computed on loans approved at least five fiscal years ago. Jobs supported are self-reported estimates from the SBA loan application, which SBA does not review, audit or validate. Data through 30 Jun 2026.
Lenders most active in Guam
By number of approvals to businesses in the county, FY2021–FY2025; 4 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Coast360 FCUMaite, GU | 20 | $4.7M | 55.6% | |
| 2 | Bank of GuamHagatna (Agana), GU | 12 | $4.3M | 33.3% | |
| 3 | HEDCO Local Development CorporationHonolulu, HI · CDC | 3 | $2.8M | 8.3% | |
| 4 | Bank of HawaiiHonolulu, HI | 1 | — | 2.8% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Restaurants and Other Eating PlacesNAICS 7225 | 4 | 11.1% | |
| 2 | Offices of DentistsNAICS 6212 | 3 | 8.3% | |
| 3 | Offices of Other Health PractitionersNAICS 6213 | 3 | 8.3% | |
| 4 | Couriers and Express Delivery ServicesNAICS 4921 | 2 | 5.6% | |
| 5 | Outpatient Care CentersNAICS 6214 | 2 | 5.6% | |
| 6 | Electronics and Appliance RetailersNAICS 4492 | 2 | 5.6% | |
| 7 | Office Supplies, Stationery, and Gift StoresNAICS 4532 | 2 | 5.6% | |
| 8 | Nonresidential Building ConstructionNAICS 2362 | 2 | 5.6% | |
| 9 | Personal Care ServicesNAICS 8121 | 2 | 5.6% | |
| 10 | Drycleaning and Laundry ServicesNAICS 8123 | 1 | 2.8% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Health Care and Social Assistance | 9 | 25.0% | |
| 2 | Retail Trade | 8 | 22.2% | |
| 3 | Accommodation and Food Services | 5 | 13.9% | |
| 4 | Other Services (except Public Administration) | 3 | 8.3% | |
| 5 | Construction | 3 | 8.3% | |
| 6 | Transportation and Warehousing | 2 | 5.6% | |
| 7 | Manufacturing | 2 | 5.6% | |
| 8 | Wholesale Trade | 1 | 2.8% |
Approvals by fiscal year
| Fiscal year | 7(a) approvals | 7(a) dollars | Median 7(a) | 504 approvals | 504 dollars | All approvals | Jobs supported, as reported |
|---|---|---|---|---|---|---|---|
| FY2026* | 4 | $450K | $110K | 0 | — | 4 | 15 |
| FY2025 | 7 | $2.7M | $225K | 0 | — | 7 | 84 |
| FY2024 | 10 | $764K | $50K | 1 | — | 11 | 108 |
| FY2023 | 0 | — | — | 0 | — | 0 | 0 |
| FY2022 | 12 | $4.8M | $109K | 1 | — | 13 | 275 |
| FY2021 | 4 | $871K | $100K | 1 | — | 5 | 79 |
| FY2020 | 9 | $1.5M | $100K | 1 | — | 10 | 150 |
| FY2019 | 18 | $1.7M | $50K | 0 | — | 18 | 146 |
| FY2018 | 18 | $5.2M | $110K | 1 | — | 19 | 81 |
| FY2017 | 24 | $3.1M | $70K | 2 | — | 26 | 131 |
| FY2016 | 46 | $6.4M | $50K | 2 | — | 48 | 358 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 121 approvals.
Against Guam and the country
| FY2021–FY2025 | Guam | Guam | United States |
|---|---|---|---|
| Approvals | 36 | 36 | 342,825 |
| Approvals per 1,000 establishments | — | — | 41.0 |
| Median 7(a) approval | $100K | $100K | $190K |
| Median 504 approval | $755K | $755K | $657K |
| Average approval | $329K | $329K | $573K |
| 504 share of approvals | 8.3% | 8.3% | 11.0% |
| Jobs supported per approval, as reported | 15.2 | 15.2 | 10.5 |
| Share of state approvals | 100.0% | 100.0% | — |
Approval sizes
- $50,000 or less38.9%14
- $50,001 to $150,00025.0%9
- $150,001 to $350,00011.1%4
- $350,001 to $1 million16.7%6
- $1 million to $2 million5.6%2
- Over $2 million2.8%1
Age of the businesses
- Existing, more than 2 years old61.1%22
- New business, 2 years or less11.1%4
- Startup, loan funds will open the business22.2%8
- Change of ownership5.6%2
Questions and answers
Which lenders make the most SBA loans in Guam?
By approvals in FY2021 to FY2025: Coast360 FCU (20), Bank of Guam (12), HEDCO Local Development Corporation (3), Bank of Hawaii (1). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Guam?
The median 7(a) approval was $100K and the median 504 approval $755K; the Guam 7(a) median was $100K.
Which industries get the most SBA loans in Guam?
Restaurants and Other Eating Places (4); Offices of Dentists (3); Offices of Other Health Practitioners (3); Couriers and Express Delivery Services (2); Outpatient Care Centers (2).
Is SBA lending in Guam rising?
Approvals in the three latest complete fiscal years total 18, against 28 in the three before: falling (-36%).
How does Guam compare with the rest of Guam?
It had 36 of the state's 36 approvals.
About these figures
Figures are totals of the Small Business Administration's 7(a) and 504 FOIA loan files, data through 30 Jun 2026. SBA updates the files quarterly. Counts are loan approvals, including approvals later cancelled; the five-year window is FY2021–FY2025, the five latest complete fiscal years. Charge-off rates use only loans approved in FY2010–FY2021, at least five fiscal years ago, and count disbursed loans SBA records as charged off. Loans are listed under the lender they are assigned to today. Establishment counts are from the Census Bureau's County Business Patterns 2023, which leaves out most farms, government and businesses without employees. Dollar figures behind fewer than three approvals are not shown, and no borrower is named anywhere on this site.Methodology · Report an error