Lenders › AMPAC Tri-State CDC, Inc.
7(a) lenderOntario, Californianon-bank 7(a) lender181st of 2,184 by approvals
AMPAC Tri-State CDC, Inc.
SBA 7(a) loan approvals by fiscal year, where they went, how large they were, and how loans from earlier years turned out.
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.
In FY2021 to FY2025 SBA approved 214 7(a) loans, worth $36.0M, through AMPAC Tri-State CDC, Inc. of Ontario, California, a non-bank 7(a) lender in the SBA 7(a) program. By number of approvals that is 181st among 2,184 active 7(a) lenders.
In FY2025, the latest complete fiscal year, it had 146 approvals totalling $20.2M, up 356% on FY2024 (32). FY2026 to 30 Jun 2026 adds 82 more.
The median approval was $150K, against $190K for the 7(a) program as a whole; 52.3% of its approvals were for $150,000 or less (program: 47.8%).
Its loans went to businesses in 3 states and territories and 34 counties, led by California (92.5%), Nevada (3.7%) and Arizona (3.7%). The largest industry group was professional, scientific, and technical services at 15.9% of approvals, and 3.7% of approvals were to franchise businesses.
AMPAC Tri-State CDC, Inc. has fewer than 30 disbursed loans from the FY2010 to FY2021 approval years on record, too few for a charge-off rate to be shown.
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. Loans appear under the lender they are assigned to today, so a lender's figures include loans it took over. Data through 30 Jun 2026.
Approvals by fiscal year
| Fiscal year | Approvals | Dollars approved | Median approval | Average approval | Jobs supported, as reported |
|---|---|---|---|---|---|
| FY2026* | 82 | $11.2M | $50K | $136K | 660 |
| FY2025 | 146 | $20.2M | $117K | $138K | 765 |
| FY2024 | 32 | $8.4M | $254K | $261K | 408 |
| FY2023 | 27 | $6.1M | $221K | $225K | 327 |
| FY2022 | 9 | $1.4M | $135K | $152K | 62 |
| FY2021 | 0 | — | — | — | 0 |
| FY2020 | 0 | — | — | — | 0 |
| FY2019 | 0 | — | — | — | 0 |
| FY2018 | 0 | — | — | — | 0 |
| FY2017 | 0 | — | — | — | 0 |
| FY2016 | 0 | — | — | — | 0 |
Approvals are counted in the year SBA approved them and include approvals later cancelled. In the five fiscal years before the current window (FY2016–FY2020) the lender had 0 approvals. First approval on file: FY2022.
How earlier loans turned out
Only loans approved at least five fiscal years ago (FY2010–FY2021) are counted, because newer loans have had little time to be paid in full or charged off. "Charged off" is SBA's status for a loan on which it has written off the remaining balance.
| Loans approved FY2010–FY2021 | This lender | California | 7(a) program |
|---|---|---|---|
| Approvals in these years | 0 | 79,249 | 639,905 |
| Cancelled or never disbursed | 0 | 10,102 | 79,313 |
| Disbursed loans | 0 | 69,147 | 560,592 |
| Paid in full | 0 | 52,688 | 435,813 |
| Charged off | 0 | 4,430 | 36,891 |
| Still outstanding (status exempt from disclosure) | 0 | 12,029 | 87,888 |
| Charged off, share of disbursed loans | too few loans | 6.4% | 6.6% |
| Dollars charged off, share of disbursed dollars | too few loans | 1.5% | 2.5% |
| Dollars charged off | — | $565M | $5.70bn |
Against the 7(a) program
| FY2021–FY2025 | This lender | 7(a) program |
|---|---|---|
| Median approval | $150K | $190K |
| Average approval | $168K | $518K |
| Approvals of $150,000 or less | 52.3% | 47.8% |
| Approvals to startups and businesses 2 years old or less | 21.0% | 34.3% |
| Approvals to franchise businesses | 3.7% | 11.5% |
| Jobs supported per approval, as reported | 7.3 | 10.5 |
| Charged off, loans approved FY2010–FY2021 | too few loans | 6.6% |
States served
| # | State of the business (3 in all) | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | California | 198 | $34.1M | 92.5% | |
| 2 | Nevada | 8 | $955K | 3.7% | |
| 3 | Arizona | 8 | $920K | 3.7% |
In California the lender accounts for 0.6% of all 7(a) approvals in FY2021–FY2025.
Counties served
| # | County of the business (34 in all) | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Los Angeles County, CA | 66 | $10.9M | 30.8% | |
| 2 | Orange County, CA | 30 | $6.1M | 14.0% | |
| 3 | Riverside County, CA | 23 | $3.8M | 10.7% | |
| 4 | San Bernardino County, CA | 15 | $3.7M | 7.0% | |
| 5 | San Diego County, CA | 11 | $2.2M | 5.1% | |
| 6 | Sacramento County, CA | 6 | $1.1M | 2.8% | |
| 7 | San Francisco County, CA | 6 | $765K | 2.8% | |
| 8 | Santa Clara County, CA | 6 | $537K | 2.8% | |
| 9 | Clark County, NV | 6 | $473K | 2.8% | |
| 10 | Maricopa County, AZ | 5 | $520K | 2.3% | |
| 11 | San Mateo County, CA | 4 | $746K | 1.9% | |
| 12 | Ventura County, CA | 4 | $435K | 1.9% |
Industry mix
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Professional, Scientific, and Technical Services | 34 | 15.9% | |
| 2 | Other Services (except Public Administration) | 33 | 15.4% | |
| 3 | Accommodation and Food Services | 30 | 14.0% | |
| 4 | Construction | 23 | 10.7% | |
| 5 | Health Care and Social Assistance | 22 | 10.3% | |
| 6 | Retail Trade | 21 | 9.8% | |
| 7 | Manufacturing | 10 | 4.7% | |
| 8 | Transportation and Warehousing | 9 | 4.2% |
| # | Industry group | Approvals | Share | |
|---|---|---|---|---|
| 1 | Restaurants and Other Eating PlacesNAICS 7225 | 20 | 9.3% | |
| 2 | Other Personal ServicesNAICS 8129 | 12 | 5.6% | |
| 3 | Personal Care ServicesNAICS 8121 | 11 | 5.1% | |
| 4 | Offices of Other Health PractitionersNAICS 6213 | 8 | 3.7% | |
| 5 | Other Specialty Trade ContractorsNAICS 2389 | 8 | 3.7% | |
| 6 | Automotive Repair and MaintenanceNAICS 8111 | 7 | 3.3% | |
| 7 | Accounting, Tax Preparation, Bookkeeping, and Payroll ServicesNAICS 5412 | 7 | 3.3% | |
| 8 | Residential Building ConstructionNAICS 2361 | 6 | 2.8% | |
| 9 | Other Professional, Scientific, and Technical ServicesNAICS 5419 | 6 | 2.8% | |
| 10 | Legal ServicesNAICS 5411 | 5 | 2.3% |
Approval sizes
- $50,000 or less30.8%66
- $50,001 to $150,00021.5%46
- $150,001 to $350,00047.7%102
Loan terms
- Over 5 to 10 years95.8%205
- Over 10 to 20 years2.3%5
- Over 20 years1.9%4
Age of the businesses
- Existing, more than 2 years old78.5%168
- New business, 2 years or less7.9%17
- Startup, loan funds will open the business13.1%28
- Change of ownership0.5%1
SBA processing method
| # | Method | Approvals | Share | |
|---|---|---|---|---|
| 1 | Preferred Lenders Program | 115 | 53.7% | |
| 2 | 7a General | 68 | 31.8% | |
| 3 | Community Advantage Initiative | 31 | 14.5% |
Franchise share
8 of 214 approvals in FY2021–FY2025 (3.7%) carried an SBA franchise code; across the 7(a) program the share is 11.5%.
| # | Franchise brand | Approvals | Share | |
|---|---|---|---|---|
| 1 | Cold Stone Creamery | 2 | 0.9% | |
| 2 | Hammer & Nails Grooming For Guys | 1 | 0.5% | |
| 3 | Rodizio Grill | 1 | 0.5% | |
| 4 | Houston TX Hot Chicken | 1 | 0.5% | |
| 5 | Maid Brigade | 1 | 0.5% | |
| 6 | World of Sourdough | 1 | 0.5% | |
| 7 | Port of Subs | 1 | 0.5% |
Questions and answers
How many SBA loans does AMPAC Tri-State CDC, Inc. make?
SBA approved 146 7(a) loans through AMPAC Tri-State CDC, Inc. in FY2025, worth $20.2M, and 214 over FY2021 to FY2025. That ranks 181st of 2,184 active 7(a) lenders by number of approvals.
How large are AMPAC Tri-State CDC, Inc.'s typical SBA loans?
The median 7(a) approval in FY2021 to FY2025 was $150K and the average $168K. The program-wide median was $190K.
What is AMPAC Tri-State CDC, Inc.'s charge-off rate?
AMPAC Tri-State CDC, Inc. has fewer than 30 disbursed loans from the FY2010 to FY2021 approval years on record, too few for a charge-off rate to be shown. Loans are listed under the lender that holds them today, so the figure includes loans taken over from other lenders. Status is as recorded by SBA on 30 Jun 2026.
Which industries does AMPAC Tri-State CDC, Inc. lend to most?
By number of approvals in FY2021 to FY2025: restaurants and other eating places (20); other personal services (12); personal care services (11); offices of other health practitioners (8).
Where does AMPAC Tri-State CDC, Inc. make SBA loans?
In 3 states and territories. California 198, Nevada 8, Arizona 8. In California it accounts for 0.6% of all 7(a) approvals.
Is AMPAC Tri-State CDC, Inc.'s SBA lending rising?
Volumes are too small to compare periods.
Where does this data come from?
From the Small Business Administration's 7(a) and 504 FOIA loan files, as of 30 Jun 2026. Borrower names and addresses in those files are discarded when the files are read and appear nowhere on this site.
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. Dollar figures behind fewer than three approvals are not shown, and no borrower is named anywhere on this site.Methodology · Report an error