Lenders › E.C.I.A. Business Growth, Inc.
504 CDCDubuque, Iowacertified development company134th of 182 by approvals
E.C.I.A. Business Growth, Inc.
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.
In FY2021 to FY2025 SBA approved 30 504 loans, worth $26.4M, through E.C.I.A. Business Growth, Inc. of Dubuque, Iowa, a certified development company (CDC) that makes SBA 504 loans. By number of approvals that is 134th among 182 active CDCs.
In FY2025, the latest complete fiscal year, it had 5 approvals totalling $4.6M. FY2026 to 30 Jun 2026 adds 4 more.
The median approval was $548K, against $657K for the 504 program as a whole; 0.0% of its approvals were for $150,000 or less (program: 4.6%).
Its loans went to businesses in 2 states and territories and 13 counties, led by Iowa (90.0%) and Illinois (10.0%). The largest industry group was retail trade at 20.0% of approvals, and 13.3% of approvals were to franchise businesses.
Of 53 disbursed loans approved in FY2010 to FY2021, SBA records 0 as charged off (0.0%), 21 as paid in full and 32 still outstanding; the 504 program figure for the same approval years is 1.2%, 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* | 4 | $1.5M | $356K | $374K | 24 |
| FY2025 | 5 | $4.6M | $833K | $920K | 69 |
| FY2024 | 6 | $7.0M | $489K | $1.2M | 61 |
| FY2023 | 5 | $2.2M | $367K | $439K | 48 |
| FY2022 | 6 | $6.3M | $811K | $1.0M | 365 |
| FY2021 | 8 | $6.3M | $578K | $793K | 92 |
| FY2020 | 6 | $4.3M | $634K | $725K | 38 |
| FY2019 | 4 | $2.2M | $448K | $545K | 35 |
| FY2018 | 3 | $694K | $249K | $231K | 10 |
| FY2017 | 5 | $2.3M | $575K | $463K | 29 |
| FY2016 | 4 | $3.2M | $699K | $789K | 21 |
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 22 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 | Iowa | 504 program |
|---|---|---|---|
| Approvals in these years | 65 | 954 | 85,591 |
| Cancelled or never disbursed | 12 | 134 | 12,514 |
| Disbursed loans | 53 | 820 | 73,077 |
| Paid in full | 21 | 415 | 35,491 |
| Charged off | 0 | 12 | 905 |
| Still outstanding (status exempt from disclosure) | 32 | 393 | 36,681 |
| Charged off, share of disbursed loans | 0.0% | 1.5% | 1.2% |
| Dollars charged off, share of disbursed dollars | 0.0% | 1.1% | 0.9% |
| Dollars charged off | $0 | $5.5M | $499M |
By approval year
| Approved in | Disbursed | Paid in full | Charged off | Charged off, share | 504 program, same year |
|---|---|---|---|---|---|
| FY2021 | 6 | 0 | 0 | — | 0.1% |
| FY2020 | 5 | 0 | 0 | — | 0.1% |
| FY2019 | 3 | 0 | 0 | — | 0.3% |
| FY2018 | 2 | 1 | 0 | — | 0.4% |
| FY2017 | 5 | 1 | 0 | — | 0.8% |
| FY2016 | 4 | 2 | 0 | — | 1.0% |
| FY2015 | 3 | 1 | 0 | — | 1.2% |
| FY2014 | 1 | 0 | 0 | — | 1.3% |
| FY2013 | 5 | 4 | 0 | — | 1.4% |
| FY2012 | 7 | 5 | 0 | — | 2.0% |
| FY2011 | 9 | 4 | 0 | — | 2.1% |
| FY2010 | 3 | 3 | 0 | — | 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 | $548K | $657K |
| Average approval | $880K | $1.0M |
| Approvals of $150,000 or less | 0.0% | 4.6% |
| Approvals to startups and businesses 2 years old or less | 23.3% | 14.4% |
| Approvals to franchise businesses | 13.3% | 9.0% |
| Jobs supported per approval, as reported | 21.2 | 10.1 |
| Charged off, loans approved FY2010–FY2021 | 0.0% | 1.2% |
States served
| # | State of the business (2 in all) | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Iowa | 27 | $24.9M | 90.0% | |
| 2 | Illinois | 3 | $1.4M | 10.0% |
In Iowa the lender accounts for 7.4% of all 504 approvals in FY2021–FY2025.
Counties served
| # | County of the business (13 in all) | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Dubuque County, IA | 7 | $3.2M | 23.3% | |
| 2 | Scott County, IA | 5 | $2.6M | 16.7% | |
| 3 | Clinton County, IA | 4 | $4.2M | 13.3% | |
| 4 | Delaware County, IA | 3 | $4.1M | 10.0% | |
| 5 | Linn County, IA | 2 | — | 6.7% | |
| 6 | Jones County, IA | 2 | — | 6.7% | |
| 7 | Jackson County, IA | 1 | — | 3.3% | |
| 8 | Jo Daviess County, IL | 1 | — | 3.3% | |
| 9 | Rock Island County, IL | 1 | — | 3.3% | |
| 10 | Dallas County, IA | 1 | — | 3.3% | |
| 11 | Henry County, IL | 1 | — | 3.3% | |
| 12 | Muscatine County, IA | 1 | — | 3.3% |
Industry mix
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Retail Trade | 6 | 20.0% | |
| 2 | Other Services (except Public Administration) | 5 | 16.7% | |
| 3 | Accommodation and Food Services | 4 | 13.3% | |
| 4 | Health Care and Social Assistance | 4 | 13.3% | |
| 5 | Arts, Entertainment, and Recreation | 3 | 10.0% | |
| 6 | Professional, Scientific, and Technical Services | 3 | 10.0% | |
| 7 | Manufacturing | 2 | 6.7% | |
| 8 | Wholesale Trade | 1 | 3.3% |
| # | Industry group | Approvals | Share | |
|---|---|---|---|---|
| 1 | Offices of Other Health PractitionersNAICS 6213 | 3 | 10.0% | |
| 2 | Other Professional, Scientific, and Technical ServicesNAICS 5419 | 3 | 10.0% | |
| 3 | Traveler AccommodationNAICS 7211 | 2 | 6.7% | |
| 4 | Specialty Food StoresNAICS 4452 | 2 | 6.7% | |
| 5 | Automotive Repair and MaintenanceNAICS 8111 | 2 | 6.7% | |
| 6 | Other Personal ServicesNAICS 8129 | 2 | 6.7% | |
| 7 | Architectural and Structural Metals ManufacturingNAICS 3323 | 1 | 3.3% | |
| 8 | Clothing and Clothing Accessories RetailersNAICS 4581 | 1 | 3.3% | |
| 9 | Promoters of Performing Arts, Sports, and Similar EventsNAICS 7113 | 1 | 3.3% | |
| 10 | Automobile DealersNAICS 4411 | 1 | 3.3% |
Approval sizes
- $150,001 to $350,00023.3%7
- $350,001 to $1 million53.3%16
- $1 million to $2 million13.3%4
- Over $2 million10.0%3
Loan terms
- Over 10 to 20 years73.3%22
- Over 20 years26.7%8
Age of the businesses
- Existing, more than 2 years old66.7%20
- New business, 2 years or less3.3%1
- Startup, loan funds will open the business20.0%6
- Change of ownership10.0%3
SBA processing method
| # | Method | Approvals | Share | |
|---|---|---|---|---|
| 1 | 504 Basic | 30 | 100.0% |
Franchise share
4 of 30 approvals in FY2021–FY2025 (13.3%) carried an SBA franchise code; across the 504 program the share is 9.0%.
| # | Franchise brand | Approvals | Share | |
|---|---|---|---|---|
| 1 | Holiday Inn | 1 | 3.3% | |
| 2 | Ford Motor Company Dealer Sales and Service Agreement | 1 | 3.3% | |
| 3 | Days Inn | 1 | 3.3% | |
| 4 | 1-800-Radiator & A | 1 | 3.3% |
Questions and answers
How many SBA loans does E.C.I.A. Business Growth, Inc. make?
SBA approved 5 504 loans through E.C.I.A. Business Growth, Inc. in FY2025, worth $4.6M, and 30 over FY2021 to FY2025. That ranks 134th of 182 active CDCs by number of approvals.
How large are E.C.I.A. Business Growth, Inc.'s typical SBA loans?
The median 504 approval in FY2021 to FY2025 was $548K and the average $880K. The program-wide median was $657K.
What is E.C.I.A. Business Growth, Inc.'s charge-off rate?
Of 53 disbursed loans approved in FY2010 to FY2021, SBA records 0 as charged off (0.0%), 21 as paid in full and 32 still outstanding; the 504 program figure for the same approval years is 1.2%, 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 E.C.I.A. Business Growth, Inc. lend to most?
By number of approvals in FY2021 to FY2025: offices of other health practitioners (3); other professional, scientific, and technical services (3); traveler accommodation (2); specialty food stores (2).
Where does E.C.I.A. Business Growth, Inc. make SBA loans?
In 2 states and territories. Iowa 27, Illinois 3. In Iowa it accounts for 7.4% of all 504 approvals.
Is E.C.I.A. Business Growth, Inc.'s SBA lending rising?
Approvals in the three latest complete fiscal years total 16, against 20 in the three before: falling (-20%).
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