Lenders › Enterprise Bank & Trust
7(a) lenderClayton, MissouriFDIC-insured bank35th of 2,184 by approvals
Enterprise Bank & Trust
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 1,194 7(a) loans, worth $1.55bn, through Enterprise Bank & Trust of Clayton, Missouri, an FDIC-insured bank in the SBA 7(a) program. By number of approvals that is 35th among 2,184 active 7(a) lenders.
In FY2025, the latest complete fiscal year, it had 167 approvals totalling $282M, about level with FY2024 (162). FY2026 to 30 Jun 2026 adds 112 more.
The median approval was $941K, against $190K for the 7(a) program as a whole; 2.2% of its approvals were for $150,000 or less (program: 47.8%).
Its loans went to businesses in 38 states and territories and 268 counties, led by California (36.8%), Texas (13.9%) and Washington (7.0%). The largest industry group was retail trade at 15.3% of approvals, and 10.1% of approvals were to franchise businesses.
Of 3,676 disbursed loans approved in FY2010 to FY2021, SBA records 41 as charged off (1.1%), 2,798 as paid in full and 837 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* | 112 | $185M | $1.2M | $1.7M | 1,752 |
| FY2025 | 167 | $282M | $1.2M | $1.7M | 2,743 |
| FY2024 | 162 | $206M | $940K | $1.3M | 2,252 |
| FY2023 | 203 | $301M | $990K | $1.5M | 3,024 |
| FY2022 | 232 | $287M | $939K | $1.2M | 3,906 |
| FY2021 | 430 | $477M | $842K | $1.1M | 4,220 |
| FY2020 | 361 | $405M | $740K | $1.1M | 3,552 |
| FY2019 | 353 | $400M | $790K | $1.1M | 4,718 |
| FY2018 | 389 | $385M | $695K | $990K | 6,230 |
| FY2017 | 391 | $387M | $711K | $991K | 8,318 |
| FY2016 | 373 | $353M | $690K | $947K | 6,882 |
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 1,867 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 | 4,416 | 79,249 | 639,905 |
| Cancelled or never disbursed | 740 | 10,102 | 79,313 |
| Disbursed loans | 3,676 | 69,147 | 560,592 |
| Paid in full | 2,798 | 52,688 | 435,813 |
| Charged off | 41 | 4,430 | 36,891 |
| Still outstanding (status exempt from disclosure) | 837 | 12,029 | 87,888 |
| Charged off, share of disbursed loans | 1.1% | 6.4% | 6.6% |
| Dollars charged off, share of disbursed dollars | 0.4% | 1.5% | 2.5% |
| Dollars charged off | $12.9M | $565M | $5.70bn |
By approval year
| Approved in | Disbursed | Paid in full | Charged off | Charged off, share | 7(a) program, same year |
|---|---|---|---|---|---|
| FY2021 | 381 | 172 | 0 | 0.0% | 2.8% |
| FY2020 | 311 | 172 | 1 | 0.3% | 4.0% |
| FY2019 | 273 | 164 | 1 | 0.4% | 6.7% |
| FY2018 | 324 | 228 | 1 | 0.3% | 7.9% |
| FY2017 | 353 | 266 | 6 | 1.7% | 7.7% |
| FY2016 | 342 | 279 | 3 | 0.9% | 7.2% |
| FY2015 | 379 | 327 | 6 | 1.6% | 6.9% |
| FY2014 | 320 | 280 | 4 | 1.3% | 6.4% |
| FY2013 | 339 | 302 | 8 | 2.4% | 6.0% |
| FY2012 | 260 | 232 | 4 | 1.5% | 6.3% |
| FY2011 | 244 | 234 | 5 | 2.0% | 6.9% |
| FY2010 | 150 | 142 | 2 | 1.3% | 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 | $941K | $190K |
| Average approval | $1.3M | $518K |
| Approvals of $150,000 or less | 2.2% | 47.8% |
| Approvals to startups and businesses 2 years old or less | 20.5% | 34.3% |
| Approvals to franchise businesses | 10.1% | 11.5% |
| Jobs supported per approval, as reported | 13.5 | 10.5 |
| Charged off, loans approved FY2010–FY2021 | 1.1% | 6.6% |
States served
| # | State of the business (38 in all) | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | California | 439 | $574M | 36.8% | |
| 2 | Texas | 166 | $259M | 13.9% | |
| 3 | Washington | 84 | $101M | 7.0% | |
| 4 | Arizona | 79 | $71.4M | 6.6% | |
| 5 | Colorado | 59 | $71.8M | 4.9% | |
| 6 | Nevada | 41 | $56.3M | 3.4% | |
| 7 | Illinois | 40 | $49.8M | 3.4% | |
| 8 | Florida | 38 | $51.8M | 3.2% | |
| 9 | Oregon | 37 | $41.9M | 3.1% | |
| 10 | Missouri | 32 | $27.2M | 2.7% | |
| 11 | New Mexico | 18 | $13.0M | 1.5% | |
| 12 | Utah | 15 | $12.8M | 1.3% |
In California the lender accounts for 1.3% of all 7(a) approvals in FY2021–FY2025.
Counties served
| # | County of the business (268 in all) | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Los Angeles County, CA | 132 | $169M | 11.1% | |
| 2 | San Diego County, CA | 70 | $88.3M | 5.9% | |
| 3 | Maricopa County, AZ | 63 | $53.3M | 5.3% | |
| 4 | Dallas County, TX | 57 | $92.0M | 4.8% | |
| 5 | Sacramento County, CA | 44 | $41.4M | 3.7% | |
| 6 | San Bernardino County, CA | 33 | $32.1M | 2.8% | |
| 7 | Clark County, NV | 31 | $42.5M | 2.6% | |
| 8 | King County, WA | 31 | $39.2M | 2.6% | |
| 9 | Pierce County, WA | 27 | $32.8M | 2.3% | |
| 10 | Tarrant County, TX | 25 | $42.1M | 2.1% | |
| 11 | Orange County, CA | 25 | $38.5M | 2.1% | |
| 12 | Riverside County, CA | 24 | $35.5M | 2.0% |
Industry mix
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Retail Trade | 183 | 15.3% | |
| 2 | Accommodation and Food Services | 156 | 13.1% | |
| 3 | Other Services (except Public Administration) | 135 | 11.3% | |
| 4 | Construction | 115 | 9.6% | |
| 5 | Health Care and Social Assistance | 112 | 9.4% | |
| 6 | Manufacturing | 86 | 7.2% | |
| 7 | Transportation and Warehousing | 82 | 6.9% | |
| 8 | Professional, Scientific, and Technical Services | 75 | 6.3% |
| # | Industry group | Approvals | Share | |
|---|---|---|---|---|
| 1 | Restaurants and Other Eating PlacesNAICS 7225 | 79 | 6.6% | |
| 2 | Automotive Repair and MaintenanceNAICS 8111 | 79 | 6.6% | |
| 3 | Traveler AccommodationNAICS 7211 | 59 | 4.9% | |
| 4 | General Freight TruckingNAICS 4841 | 52 | 4.4% | |
| 5 | Gasoline StationsNAICS 4571 | 44 | 3.7% | |
| 6 | Building Equipment ContractorsNAICS 2382 | 32 | 2.7% | |
| 7 | Personal Care ServicesNAICS 8121 | 32 | 2.7% | |
| 8 | Automobile DealersNAICS 4411 | 30 | 2.5% | |
| 9 | Child Day Care ServicesNAICS 6244 | 28 | 2.3% | |
| 10 | Other Specialty Trade ContractorsNAICS 2389 | 28 | 2.3% |
Approval sizes
- $50,000 or less0.2%2
- $50,001 to $150,0002.0%24
- $150,001 to $350,00010.1%121
- $350,001 to $1 million42.0%501
- $1 million to $2 million26.6%318
- Over $2 million19.1%228
Loan terms
- 5 years or less1.1%13
- Over 5 to 10 years6.8%81
- Over 10 to 20 years1.3%16
- Over 20 years90.8%1,084
Age of the businesses
- Existing, more than 2 years old78.0%931
- New business, 2 years or less13.9%166
- Startup, loan funds will open the business6.6%79
- Change of ownership1.5%18
SBA processing method
| # | Method | Approvals | Share | |
|---|---|---|---|---|
| 1 | Preferred Lenders Program | 1,159 | 97.1% | |
| 2 | SBA Express Program | 14 | 1.2% | |
| 3 | 7a with EWCP | 10 | 0.8% | |
| 4 | International Trade Loans | 6 | 0.5% | |
| 5 | Export Express | 3 | 0.3% | |
| 6 | 7a General | 2 | 0.2% |
Franchise share
121 of 1,194 approvals in FY2021–FY2025 (10.1%) carried an SBA franchise code; across the 7(a) program the share is 11.5%.
| # | Franchise brand | Approvals | Share | |
|---|---|---|---|---|
| 1 | Quality Inn | 9 | 0.8% | |
| 2 | Progressive Petroleum LLC | 9 | 0.8% | |
| 3 | Sunoco, LLC | 5 | 0.4% | |
| 4 | Best Western | 4 | 0.3% | |
| 5 | Comfort Inn | 3 | 0.3% | |
| 6 | Super 8 by Wyndhan | 3 | 0.3% | |
| 7 | Supreme Oil Co | 3 | 0.3% | |
| 8 | Baskin-Robbins | 3 | 0.3% |
Questions and answers
How many SBA loans does Enterprise Bank & Trust make?
SBA approved 167 7(a) loans through Enterprise Bank & Trust in FY2025, worth $282M, and 1,194 over FY2021 to FY2025. That ranks 35th of 2,184 active 7(a) lenders by number of approvals.
How large are Enterprise Bank & Trust's typical SBA loans?
The median 7(a) approval in FY2021 to FY2025 was $941K and the average $1.3M. The program-wide median was $190K.
What is Enterprise Bank & Trust's charge-off rate?
Of 3,676 disbursed loans approved in FY2010 to FY2021, SBA records 41 as charged off (1.1%), 2,798 as paid in full and 837 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 Enterprise Bank & Trust lend to most?
By number of approvals in FY2021 to FY2025: restaurants and other eating places (79); automotive repair and maintenance (79); traveler accommodation (59); general freight trucking (52).
Where does Enterprise Bank & Trust make SBA loans?
In 38 states and territories. California 439, Texas 166, Washington 84, Arizona 79, Colorado 59. In California it accounts for 1.3% of all 7(a) approvals.
Is Enterprise Bank & Trust's SBA lending rising?
Approvals in the three latest complete fiscal years total 532, against 1,023 in the three before: falling (-48%).
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