Lenders › Cen Cal Business Finance Group
504 CDCFresno, Californiacertified development company43rd of 182 by approvals
Cen Cal Business Finance Group
SBA 504 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.
Cen Cal Business Finance Group (Fresno, California) is a certified development company (CDC) that makes SBA 504 loans, 43rd of 182 by approvals in FY2021 to FY2025: 232 loans worth $222M.
In FY2025, the latest complete fiscal year, it had 38 approvals totalling $41.3M, about level with FY2024 (39). FY2026 to 30 Jun 2026 adds 37 more.
The median approval was $574K, against $657K for the 504 program as a whole; 4.3% of its approvals were for $150,000 or less (program: 4.6%).
Its loans went to businesses in 1 state or territory and 15 counties, led by California (100.0%). The largest industry group was health care and social assistance at 18.5% of approvals, and 10.8% of approvals were to franchise businesses.
Of 613 disbursed loans approved in FY2010 to FY2021, SBA records 3 as charged off (0.5%), 264 as paid in full and 346 still outstanding; the 504 program figure for the same approval years is 1.2%, so the rate here is close to 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* | 37 | $31.7M | $496K | $856K | 586 |
| FY2025 | 38 | $41.3M | $699K | $1.1M | 1,153 |
| FY2024 | 39 | $37.2M | $502K | $953K | 1,160 |
| FY2023 | 29 | $25.3M | $536K | $873K | 518 |
| FY2022 | 61 | $62.4M | $751K | $1.0M | 872 |
| FY2021 | 65 | $56.1M | $563K | $863K | 645 |
| FY2020 | 56 | $37.9M | $394K | $676K | 512 |
| FY2019 | 61 | $42.0M | $415K | $688K | 719 |
| FY2018 | 65 | $41.7M | $432K | $641K | 562 |
| FY2017 | 59 | $35.3M | $487K | $599K | 704 |
| FY2016 | 66 | $54.0M | $514K | $818K | 1,010 |
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 307 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 | 504 program |
|---|---|---|---|
| Approvals in these years | 700 | 16,149 | 85,591 |
| Cancelled or never disbursed | 87 | 1,904 | 12,514 |
| Disbursed loans | 613 | 14,245 | 73,077 |
| Paid in full | 264 | 7,213 | 35,491 |
| Charged off | 3 | 54 | 905 |
| Still outstanding (status exempt from disclosure) | 346 | 6,978 | 36,681 |
| Charged off, share of disbursed loans | 0.5% | 0.4% | 1.2% |
| Dollars charged off, share of disbursed dollars | 0.2% | 0.3% | 0.9% |
| Dollars charged off | $595K | $38.6M | $499M |
By approval year
| Approved in | Disbursed | Paid in full | Charged off | Charged off, share | 504 program, same year |
|---|---|---|---|---|---|
| FY2021 | 56 | 6 | 0 | 0.0% | 0.1% |
| FY2020 | 51 | 6 | 0 | 0.0% | 0.1% |
| FY2019 | 53 | 8 | 0 | 0.0% | 0.3% |
| FY2018 | 57 | 20 | 0 | 0.0% | 0.4% |
| FY2017 | 52 | 18 | 1 | 1.9% | 0.8% |
| FY2016 | 61 | 27 | 0 | 0.0% | 1.0% |
| FY2015 | 51 | 28 | 0 | 0.0% | 1.2% |
| FY2014 | 40 | 19 | 0 | 0.0% | 1.3% |
| FY2013 | 62 | 43 | 0 | 0.0% | 1.4% |
| FY2012 | 52 | 34 | 1 | 1.9% | 2.0% |
| FY2011 | 43 | 28 | 0 | 0.0% | 2.1% |
| FY2010 | 35 | 27 | 1 | 2.9% | 3.4% |
A share is shown only where at least 30 loans from that year were disbursed.
Against the 504 program
| FY2021–FY2025 | This lender | 504 program |
|---|---|---|
| Median approval | $574K | $657K |
| Average approval | $958K | $1.0M |
| Approvals of $150,000 or less | 4.3% | 4.6% |
| Approvals to startups and businesses 2 years old or less | 9.1% | 14.4% |
| Approvals to franchise businesses | 10.8% | 9.0% |
| Jobs supported per approval, as reported | 18.7 | 10.1 |
| Charged off, loans approved FY2010–FY2021 | 0.5% | 1.2% |
States served
| # | State of the business (1 in all) | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | California | 232 | $222M | 100.0% |
In California the lender accounts for 3.2% of all 504 approvals in FY2021–FY2025.
Counties served
| # | County of the business (15 in all) | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Fresno County, CA | 84 | $86.9M | 36.2% | |
| 2 | Kern County, CA | 59 | $52.6M | 25.4% | |
| 3 | San Luis Obispo County, CA | 22 | $17.4M | 9.5% | |
| 4 | Santa Barbara County, CA | 21 | $26.4M | 9.1% | |
| 5 | Tulare County, CA | 17 | $17.2M | 7.3% | |
| 6 | Madera County, CA | 8 | $5.0M | 3.4% | |
| 7 | Kings County, CA | 5 | $1.5M | 2.2% | |
| 8 | Merced County, CA | 4 | $1.2M | 1.7% | |
| 9 | Stanislaus County, CA | 3 | $2.5M | 1.3% | |
| 10 | San Joaquin County, CA | 2 | — | 0.9% | |
| 11 | Ventura County, CA | 2 | — | 0.9% | |
| 12 | Los Angeles County, CA | 2 | — | 0.9% |
Industry mix
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Health Care and Social Assistance | 43 | 18.5% | |
| 2 | Retail Trade | 34 | 14.7% | |
| 3 | Construction | 24 | 10.3% | |
| 4 | Professional, Scientific, and Technical Services | 24 | 10.3% | |
| 5 | Manufacturing | 16 | 6.9% | |
| 6 | Other Services (except Public Administration) | 16 | 6.9% | |
| 7 | Wholesale Trade | 15 | 6.5% | |
| 8 | Finance and Insurance | 15 | 6.5% |
| # | Industry group | Approvals | Share | |
|---|---|---|---|---|
| 1 | Offices of PhysiciansNAICS 6211 | 18 | 7.8% | |
| 2 | Automotive Repair and MaintenanceNAICS 8111 | 10 | 4.3% | |
| 3 | Offices of Other Health PractitionersNAICS 6213 | 10 | 4.3% | |
| 4 | Agencies, Brokerages, and Other Insurance Related ActivitiesNAICS 5242 | 10 | 4.3% | |
| 5 | Gasoline StationsNAICS 4571 | 9 | 3.9% | |
| 6 | Gasoline StationsNAICS 4471 | 7 | 3.0% | |
| 7 | Architectural, Engineering, and Related ServicesNAICS 5413 | 7 | 3.0% | |
| 8 | Other Specialty Trade ContractorsNAICS 2389 | 7 | 3.0% | |
| 9 | Other Professional, Scientific, and Technical ServicesNAICS 5419 | 6 | 2.6% | |
| 10 | Restaurants and Other Eating PlacesNAICS 7225 | 6 | 2.6% |
Approval sizes
- $50,001 to $150,0004.3%10
- $150,001 to $350,00025.9%60
- $350,001 to $1 million38.4%89
- $1 million to $2 million21.6%50
- Over $2 million9.9%23
Loan terms
- Over 10 to 20 years5.6%13
- Over 20 years94.4%219
Age of the businesses
- Existing, more than 2 years old88.8%206
- New business, 2 years or less1.7%4
- Startup, loan funds will open the business7.3%17
- Change of ownership2.2%5
SBA processing method
| # | Method | Approvals | Share | |
|---|---|---|---|---|
| 1 | 504 Basic | 178 | 76.7% | |
| 2 | Accredited Lenders Program | 38 | 16.4% | |
| 3 | 504 Refinancing Program | 9 | 3.9% | |
| 4 | ALP Express | 7 | 3.0% |
Franchise share
25 of 232 approvals in FY2021–FY2025 (10.8%) carried an SBA franchise code; across the 504 program the share is 9.0%.
| # | Franchise brand | Approvals | Share | |
|---|---|---|---|---|
| 1 | AM/PM Mini-Mart Agreement | 3 | 1.3% | |
| 2 | Holiday Inn Express | 2 | 0.9% | |
| 3 | Jayco, Inc. | 2 | 0.9% | |
| 4 | Boyett Petroleum | 2 | 0.9% | |
| 5 | Stuart's Petroleum | 2 | 0.9% | |
| 6 | Hampton Inn by Hilton | 1 | 0.4% | |
| 7 | ExtraMile Convenience Stores, LLC | 1 | 0.4% | |
| 8 | Comfort Suites by Choice Hotels | 1 | 0.4% |
Third-party lenders in its 504 projects
A 504 project pairs the CDC's loan with a larger loan from a bank or other lender. Banks and credit unions named on five or more of this CDC's projects in FY2021–FY2025:
| # | Third-party lender | Projects | Share | |
|---|---|---|---|---|
| 1 | Tri Counties Bank | 70 | 30.2% | |
| 2 | FFB Bank | 21 | 9.1% | |
| 3 | Community West Bank | 21 | 9.1% | |
| 4 | Mission Bank | 20 | 8.6% | |
| 5 | American Riviera Bank | 18 | 7.8% | |
| 6 | Citizens Business Bank National Association | 14 | 6.0% | |
| 7 | UMB Bank, National Association | 9 | 3.9% | |
| 8 | Zions Bank, A Division of | 6 | 2.6% | |
| 9 | JPMorgan Chase Bank, National Association | 5 | 2.2% | |
| 10 | Westamerica Bank | 5 | 2.2% |
Questions and answers
How many SBA loans does Cen Cal Business Finance Group make?
SBA approved 38 504 loans through Cen Cal Business Finance Group in FY2025, worth $41.3M, and 232 over FY2021 to FY2025. That ranks 43rd of 182 active CDCs by number of approvals.
How large are Cen Cal Business Finance Group's typical SBA loans?
The median 504 approval in FY2021 to FY2025 was $574K and the average $958K. The program-wide median was $657K.
What is Cen Cal Business Finance Group's charge-off rate?
Of 613 disbursed loans approved in FY2010 to FY2021, SBA records 3 as charged off (0.5%), 264 as paid in full and 346 still outstanding; the 504 program figure for the same approval years is 1.2%, so the rate here is close to 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 Cen Cal Business Finance Group lend to most?
By number of approvals in FY2021 to FY2025: offices of physicians (18); automotive repair and maintenance (10); offices of other health practitioners (10); agencies, brokerages, and other insurance related activities (10).
Where does Cen Cal Business Finance Group make SBA loans?
In 1 state or territory. California 232. In California it accounts for 3.2% of all 504 approvals.
Is Cen Cal Business Finance Group's SBA lending rising?
Approvals in the three latest complete fiscal years total 106, against 182 in the three before: falling (-42%).
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