Lenders › CalPrivate Bank
7(a) lenderLa Jolla, CaliforniaFDIC-insured bank119th of 2,184 by approvals
CalPrivate Bank
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.
CalPrivate Bank (La Jolla, California) is an FDIC-insured bank in the SBA 7(a) program, 119th of 2,184 by approvals in FY2021 to FY2025: 319 loans worth $392M.
In FY2025, the latest complete fiscal year, it had 80 approvals totalling $96.2M, up 60% on FY2024 (50). FY2026 to 30 Jun 2026 adds 46 more.
The median approval was $855K, against $190K for the 7(a) program as a whole; 2.5% of its approvals were for $150,000 or less (program: 47.8%).
Its loans went to businesses in 10 states and territories and 43 counties, led by California (94.7%), Arizona (1.6%) and Nevada (0.9%). The largest industry group was accommodation and food services at 16.0% of approvals, and 4.7% of approvals were to franchise businesses.
Of 272 disbursed loans approved in FY2010 to FY2021, SBA records 4 as charged off (1.5%), 198 as paid in full and 70 still outstanding; the 7(a) program figure for the same approval years is 6.6%, so the rate here is below it.
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* | 46 | $48.0M | $757K | $1.0M | 791 |
| FY2025 | 80 | $96.2M | $672K | $1.2M | 1,122 |
| FY2024 | 50 | $49.2M | $786K | $984K | 857 |
| FY2023 | 36 | $45.4M | $813K | $1.3M | 448 |
| FY2022 | 50 | $65.2M | $973K | $1.3M | 908 |
| FY2021 | 103 | $136M | $1.0M | $1.3M | 2,228 |
| FY2020 | 38 | $49.7M | $1.1M | $1.3M | 699 |
| FY2019 | 29 | $29.3M | $788K | $1.0M | 651 |
| FY2018 | 32 | $41.0M | $1.0M | $1.3M | 1,006 |
| FY2017 | 11 | $8.9M | $225K | $805K | 197 |
| FY2016 | 10 | $6.4M | $358K | $640K | 87 |
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 120 approvals. First approval on file: FY2010.
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 | 302 | 79,249 | 639,905 |
| Cancelled or never disbursed | 30 | 10,102 | 79,313 |
| Disbursed loans | 272 | 69,147 | 560,592 |
| Paid in full | 198 | 52,688 | 435,813 |
| Charged off | 4 | 4,430 | 36,891 |
| Still outstanding (status exempt from disclosure) | 70 | 12,029 | 87,888 |
| Charged off, share of disbursed loans | 1.5% | 6.4% | 6.6% |
| Dollars charged off, share of disbursed dollars | 0.5% | 1.5% | 2.5% |
| Dollars charged off | $1.5M | $565M | $5.70bn |
By approval year
| Approved in | Disbursed | Paid in full | Charged off | Charged off, share | 7(a) program, same year |
|---|---|---|---|---|---|
| FY2021 | 87 | 52 | 1 | 1.1% | 2.8% |
| FY2020 | 32 | 22 | 1 | 3.1% | 4.0% |
| FY2019 | 28 | 17 | 0 | — | 6.7% |
| FY2018 | 30 | 20 | 1 | 3.3% | 7.9% |
| FY2017 | 11 | 8 | 0 | — | 7.7% |
| FY2016 | 10 | 9 | 0 | — | 7.2% |
| FY2015 | 20 | 19 | 0 | — | 6.9% |
| FY2014 | 14 | 13 | 0 | — | 6.4% |
| FY2013 | 24 | 22 | 1 | — | 6.0% |
| FY2012 | 11 | 11 | 0 | — | 6.3% |
| FY2011 | 2 | 2 | 0 | — | 6.9% |
| FY2010 | 3 | 3 | 0 | — | 9.2% |
A share is shown only where at least 30 loans from that year were disbursed.
Against the 7(a) program
| FY2021–FY2025 | This lender | 7(a) program |
|---|---|---|
| Median approval | $855K | $190K |
| Average approval | $1.2M | $518K |
| Approvals of $150,000 or less | 2.5% | 47.8% |
| Approvals to startups and businesses 2 years old or less | 20.1% | 34.3% |
| Approvals to franchise businesses | 4.7% | 11.5% |
| Jobs supported per approval, as reported | 17.4 | 10.5 |
| Charged off, loans approved FY2010–FY2021 | 1.5% | 6.6% |
States served
| # | State of the business (10 in all) | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | California | 302 | $378M | 94.7% | |
| 2 | Arizona | 5 | $4.1M | 1.6% | |
| 3 | Nevada | 3 | $2.3M | 0.9% | |
| 4 | Colorado | 2 | — | 0.6% | |
| 5 | Texas | 2 | — | 0.6% | |
| 6 | Florida | 1 | — | 0.3% | |
| 7 | Georgia | 1 | — | 0.3% | |
| 8 | Hawaii | 1 | — | 0.3% | |
| 9 | Washington | 1 | — | 0.3% | |
| 10 | Idaho | 1 | — | 0.3% |
In California the lender accounts for 0.9% of all 7(a) approvals in FY2021–FY2025.
Counties served
| # | County of the business (43 in all) | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Los Angeles County, CA | 75 | $97.8M | 23.5% | |
| 2 | San Diego County, CA | 69 | $79.9M | 21.6% | |
| 3 | Riverside County, CA | 29 | $39.4M | 9.1% | |
| 4 | Orange County, CA | 28 | $42.1M | 8.8% | |
| 5 | San Bernardino County, CA | 17 | $19.5M | 5.3% | |
| 6 | Alameda County, CA | 15 | $16.5M | 4.7% | |
| 7 | Sacramento County, CA | 9 | $12.9M | 2.8% | |
| 8 | Contra Costa County, CA | 8 | $5.7M | 2.5% | |
| 9 | San Francisco County, CA | 6 | $11.7M | 1.9% | |
| 10 | Santa Clara County, CA | 6 | $6.3M | 1.9% | |
| 11 | San Mateo County, CA | 5 | $8.7M | 1.6% | |
| 12 | Kern County, CA | 5 | $3.0M | 1.6% |
Industry mix
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Accommodation and Food Services | 51 | 16.0% | |
| 2 | Retail Trade | 36 | 11.3% | |
| 3 | Health Care and Social Assistance | 32 | 10.0% | |
| 4 | Professional, Scientific, and Technical Services | 29 | 9.1% | |
| 5 | Manufacturing | 28 | 8.8% | |
| 6 | Wholesale Trade | 26 | 8.2% | |
| 7 | Construction | 24 | 7.5% | |
| 8 | Other Services (except Public Administration) | 24 | 7.5% |
| # | Industry group | Approvals | Share | |
|---|---|---|---|---|
| 1 | Restaurants and Other Eating PlacesNAICS 7225 | 35 | 11.0% | |
| 2 | General Freight TruckingNAICS 4841 | 10 | 3.1% | |
| 3 | Other Professional, Scientific, and Technical ServicesNAICS 5419 | 9 | 2.8% | |
| 4 | Other Amusement and Recreation IndustriesNAICS 7139 | 9 | 2.8% | |
| 5 | Grocery and Related Product Merchant WholesalersNAICS 4244 | 8 | 2.5% | |
| 6 | Personal Care ServicesNAICS 8121 | 8 | 2.5% | |
| 7 | Drinking Places (Alcoholic Beverages)NAICS 7224 | 8 | 2.5% | |
| 8 | Automotive Repair and MaintenanceNAICS 8111 | 8 | 2.5% | |
| 9 | Warehousing and StorageNAICS 4931 | 5 | 1.6% | |
| 10 | Residential Intellectual and Developmental Disability, Mental Health, and Substance Abuse FacilitiesNAICS 6232 | 5 | 1.6% |
Approval sizes
- $50,000 or less1.3%4
- $50,001 to $150,0001.3%4
- $150,001 to $350,0006.6%21
- $350,001 to $1 million48.6%155
- $1 million to $2 million24.5%78
- Over $2 million17.9%57
Loan terms
- 5 years or less0.3%1
- Over 5 to 10 years39.2%125
- Over 10 to 20 years3.1%10
- Over 20 years57.4%183
Age of the businesses
- Existing, more than 2 years old74.6%238
- New business, 2 years or less17.2%55
- Startup, loan funds will open the business2.8%9
- Change of ownership5.3%17
SBA processing method
| # | Method | Approvals | Share | |
|---|---|---|---|---|
| 1 | Preferred Lenders Program | 301 | 94.4% | |
| 2 | International Trade Loans | 13 | 4.1% | |
| 3 | 7a General | 4 | 1.3% | |
| 4 | SBA Express Program | 1 | 0.3% |
Franchise share
15 of 319 approvals in FY2021–FY2025 (4.7%) carried an SBA franchise code; across the 7(a) program the share is 11.5%.
| # | Franchise brand | Approvals | Share | |
|---|---|---|---|---|
| 1 | Chevron | 2 | 0.6% | |
| 2 | The UPS Store | 2 | 0.6% | |
| 3 | Menchie's | 2 | 0.6% | |
| 4 | Van De Pol Enterprises, Inc. | 1 | 0.3% | |
| 5 | Tire Pros | 1 | 0.3% | |
| 6 | Epic Wings | 1 | 0.3% | |
| 7 | SpeeDee Oil Change & Auto Service | 1 | 0.3% | |
| 8 | Nick the Greek | 1 | 0.3% |
Questions and answers
How many SBA loans does CalPrivate Bank make?
SBA approved 80 7(a) loans through CalPrivate Bank in FY2025, worth $96.2M, and 319 over FY2021 to FY2025. That ranks 119th of 2,184 active 7(a) lenders by number of approvals.
How large are CalPrivate Bank's typical SBA loans?
The median 7(a) approval in FY2021 to FY2025 was $855K and the average $1.2M. The program-wide median was $190K.
What is CalPrivate Bank's charge-off rate?
Of 272 disbursed loans approved in FY2010 to FY2021, SBA records 4 as charged off (1.5%), 198 as paid in full and 70 still outstanding; the 7(a) program figure for the same approval years is 6.6%, so the rate here is below it. 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 CalPrivate Bank lend to most?
By number of approvals in FY2021 to FY2025: restaurants and other eating places (35); general freight trucking (10); other professional, scientific, and technical services (9); other amusement and recreation industries (9).
Where does CalPrivate Bank make SBA loans?
In 10 states and territories. California 302, Arizona 5, Nevada 3, Colorado 2, Texas 2. In California it accounts for 0.9% of all 7(a) approvals.
Is CalPrivate Bank's SBA lending rising?
Approvals in the three latest complete fiscal years total 166, against 191 in the three before: falling (-13%).
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