Lenders › GBC International Bank
7(a) lenderLos Angeles, CaliforniaFDIC-insured bank163rd of 2,184 by approvals
GBC International 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.
GBC International Bank, based in Los Angeles, California, is an FDIC-insured bank in the SBA 7(a) program. SBA approved 232 of its 7(a) loans worth $244M in FY2021 to FY2025, which places it 163rd of 2,184 active 7(a) lenders by number of approvals.
In FY2025, the latest complete fiscal year, it had 44 approvals totalling $51.4M, up 42% on FY2024 (31). FY2026 to 30 Jun 2026 adds 23 more.
The median approval was $600K, against $190K for the 7(a) program as a whole; 1.7% of its approvals were for $150,000 or less (program: 47.8%).
Its loans went to businesses in 12 states and territories and 37 counties, led by California (57.8%), Washington (33.2%) and South Dakota (2.2%). The largest industry group was accommodation and food services at 34.1% of approvals, and 2.2% of approvals were to franchise businesses.
Of 434 disbursed loans approved in FY2010 to FY2021, SBA records 12 as charged off (2.8%), 342 as paid in full and 80 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* | 23 | $25.0M | $640K | $1.1M | 524 |
| FY2025 | 44 | $51.4M | $580K | $1.2M | 929 |
| FY2024 | 31 | $36.0M | $750K | $1.2M | 364 |
| FY2023 | 41 | $47.2M | $750K | $1.2M | 374 |
| FY2022 | 44 | $44.6M | $500K | $1.0M | 398 |
| FY2021 | 72 | $65.2M | $530K | $905K | 685 |
| FY2020 | 70 | $60.7M | $480K | $867K | 693 |
| FY2019 | 59 | $42.5M | $500K | $720K | 494 |
| FY2018 | 45 | $28.6M | $400K | $636K | 310 |
| FY2017 | 22 | $22.7M | $836K | $1.0M | 192 |
| FY2016 | 37 | $28.9M | $500K | $782K | 650 |
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 233 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 | 494 | 79,249 | 639,905 |
| Cancelled or never disbursed | 60 | 10,102 | 79,313 |
| Disbursed loans | 434 | 69,147 | 560,592 |
| Paid in full | 342 | 52,688 | 435,813 |
| Charged off | 12 | 4,430 | 36,891 |
| Still outstanding (status exempt from disclosure) | 80 | 12,029 | 87,888 |
| Charged off, share of disbursed loans | 2.8% | 6.4% | 6.6% |
| Dollars charged off, share of disbursed dollars | 2.1% | 1.5% | 2.5% |
| Dollars charged off | $6.6M | $565M | $5.70bn |
By approval year
| Approved in | Disbursed | Paid in full | Charged off | Charged off, share | 7(a) program, same year |
|---|---|---|---|---|---|
| FY2021 | 64 | 34 | 0 | 0.0% | 2.8% |
| FY2020 | 67 | 47 | 2 | 3.0% | 4.0% |
| FY2019 | 51 | 39 | 0 | 0.0% | 6.7% |
| FY2018 | 43 | 32 | 1 | 2.3% | 7.9% |
| FY2017 | 21 | 18 | 0 | — | 7.7% |
| FY2016 | 35 | 30 | 2 | 5.7% | 7.2% |
| FY2015 | 45 | 44 | 0 | 0.0% | 6.9% |
| FY2014 | 46 | 42 | 3 | 6.5% | 6.4% |
| FY2013 | 21 | 19 | 0 | — | 6.0% |
| FY2012 | 12 | 12 | 0 | — | 6.3% |
| FY2011 | 20 | 18 | 2 | — | 6.9% |
| FY2010 | 9 | 7 | 2 | — | 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 | $600K | $190K |
| Average approval | $1.1M | $518K |
| Approvals of $150,000 or less | 1.7% | 47.8% |
| Approvals to startups and businesses 2 years old or less | 18.1% | 34.3% |
| Approvals to franchise businesses | 2.2% | 11.5% |
| Jobs supported per approval, as reported | 11.9 | 10.5 |
| Charged off, loans approved FY2010–FY2021 | 2.8% | 6.6% |
States served
| # | State of the business (12 in all) | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | California | 134 | $161M | 57.8% | |
| 2 | Washington | 77 | $46.9M | 33.2% | |
| 3 | South Dakota | 5 | $14.0M | 2.2% | |
| 4 | Utah | 3 | $10.6M | 1.3% | |
| 5 | Texas | 3 | $4.0M | 1.3% | |
| 6 | Tennessee | 3 | $3.0M | 1.3% | |
| 7 | Pennsylvania | 2 | — | 0.9% | |
| 8 | Rhode Island | 1 | — | 0.4% | |
| 9 | Missouri | 1 | — | 0.4% | |
| 10 | Montana | 1 | — | 0.4% | |
| 11 | Georgia | 1 | — | 0.4% | |
| 12 | Hawaii | 1 | — | 0.4% |
In California the lender accounts for 0.4% of all 7(a) approvals in FY2021–FY2025.
Counties served
| # | County of the business (37 in all) | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Los Angeles County, CA | 66 | $91.1M | 28.4% | |
| 2 | Pierce County, WA | 31 | $16.4M | 13.4% | |
| 3 | King County, WA | 27 | $15.1M | 11.6% | |
| 4 | Orange County, CA | 16 | $12.2M | 6.9% | |
| 5 | Alameda County, CA | 14 | $17.3M | 6.0% | |
| 6 | San Bernardino County, CA | 8 | $6.1M | 3.4% | |
| 7 | San Diego County, CA | 6 | $14.3M | 2.6% | |
| 8 | Union County, SD | 5 | $14.0M | 2.2% | |
| 9 | Marin County, CA | 5 | $3.8M | 2.2% | |
| 10 | Riverside County, CA | 5 | $3.1M | 2.2% | |
| 11 | Snohomish County, WA | 5 | $2.4M | 2.2% | |
| 12 | San Francisco County, CA | 4 | $6.1M | 1.7% |
Industry mix
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Accommodation and Food Services | 79 | 34.1% | |
| 2 | Wholesale Trade | 70 | 30.2% | |
| 3 | Manufacturing | 26 | 11.2% | |
| 4 | Retail Trade | 18 | 7.8% | |
| 5 | Other Services (except Public Administration) | 13 | 5.6% | |
| 6 | Professional, Scientific, and Technical Services | 7 | 3.0% | |
| 7 | Health Care and Social Assistance | 7 | 3.0% | |
| 8 | Transportation and Warehousing | 4 | 1.7% |
| # | Industry group | Approvals | Share | |
|---|---|---|---|---|
| 1 | Restaurants and Other Eating PlacesNAICS 7225 | 73 | 31.5% | |
| 2 | Motor Vehicle and Motor Vehicle Parts and Supplies Merchant WholesalersNAICS 4231 | 20 | 8.6% | |
| 3 | Grocery and Related Product Merchant WholesalersNAICS 4244 | 13 | 5.6% | |
| 4 | Machinery, Equipment, and Supplies Merchant WholesalersNAICS 4238 | 11 | 4.7% | |
| 5 | Navigational, Measuring, Electromedical, and Control Instruments ManufacturingNAICS 3345 | 9 | 3.9% | |
| 6 | Miscellaneous Durable Goods Merchant WholesalersNAICS 4239 | 9 | 3.9% | |
| 7 | Miscellaneous Nondurable Goods Merchant WholesalersNAICS 4249 | 8 | 3.4% | |
| 8 | Automotive Repair and MaintenanceNAICS 8111 | 8 | 3.4% | |
| 9 | Grocery StoresNAICS 4451 | 7 | 3.0% | |
| 10 | Traveler AccommodationNAICS 7211 | 5 | 2.2% |
Approval sizes
- $50,001 to $150,0001.7%4
- $150,001 to $350,00026.3%61
- $350,001 to $1 million45.3%105
- $1 million to $2 million13.4%31
- Over $2 million13.4%31
Loan terms
- 5 years or less25.4%59
- Over 5 to 10 years48.3%112
- Over 20 years26.3%61
Age of the businesses
- Existing, more than 2 years old62.5%145
- New business, 2 years or less15.9%37
- Startup, loan funds will open the business2.2%5
- Change of ownership19.4%45
SBA processing method
| # | Method | Approvals | Share | |
|---|---|---|---|---|
| 1 | Preferred Lenders Program | 144 | 62.1% | |
| 2 | Preferred Lenders with EWCP | 51 | 22.0% | |
| 3 | International Trade Loans | 15 | 6.5% | |
| 4 | Export Express | 11 | 4.7% | |
| 5 | Preferred Lenders with WCP | 5 | 2.2% | |
| 6 | Working Capital CAPLine | 4 | 1.7% |
Franchise share
5 of 232 approvals in FY2021–FY2025 (2.2%) carried an SBA franchise code; across the 7(a) program the share is 11.5%.
| # | Franchise brand | Approvals | Share | |
|---|---|---|---|---|
| 1 | bb.q Chicken | 2 | 0.9% | |
| 2 | Motel 6 | 1 | 0.4% | |
| 3 | Christensen Inc. dba Powell Product Sales Agreement | 1 | 0.4% | |
| 4 | The UPS Store | 1 | 0.4% |
Questions and answers
How many SBA loans does GBC International Bank make?
SBA approved 44 7(a) loans through GBC International Bank in FY2025, worth $51.4M, and 232 over FY2021 to FY2025. That ranks 163rd of 2,184 active 7(a) lenders by number of approvals.
How large are GBC International Bank's typical SBA loans?
The median 7(a) approval in FY2021 to FY2025 was $600K and the average $1.1M. The program-wide median was $190K.
What is GBC International Bank's charge-off rate?
Of 434 disbursed loans approved in FY2010 to FY2021, SBA records 12 as charged off (2.8%), 342 as paid in full and 80 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 GBC International Bank lend to most?
By number of approvals in FY2021 to FY2025: restaurants and other eating places (73); motor vehicle and motor vehicle parts and supplies merchant wholesalers (20); grocery and related product merchant wholesalers (13); machinery, equipment, and supplies merchant wholesalers (11).
Where does GBC International Bank make SBA loans?
In 12 states and territories. California 134, Washington 77, South Dakota 5, Utah 3, Texas 3. In California it accounts for 0.4% of all 7(a) approvals.
Is GBC International Bank's SBA lending rising?
Approvals in the three latest complete fiscal years total 116, against 186 in the three before: falling (-38%).
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