States › Guam
State0.0% of US approvals4 lenders active
SBA loans in Guam
7(a) and 504 approvals by fiscal year, the lenders behind them, and where in the state they went. Pick a fiscal year for that year's lenders and counties.
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.
Businesses in Guam received 36 SBA loan approvals worth $11.9M in FY2021 to FY2025, 33 of them 7(a) loans and 3 504 loans.
That is — approvals for every 1,000 business establishments in the state, against 41.0 nationally, and 0.0% of all approvals in the country (54th of 54 states and territories).
In FY2025 there were 7 approvals totalling $2.7M, down 36% on FY2024. The median 7(a) approval over the five years was $100K and the median 504 approval $755K.
4 lenders had at least one approval in the state; by number of 7(a) approvals the most active were Coast360 FCU (20), Bank of Guam (12) and Bank of Hawaii (1).
Of 7(a) loans approved in FY2010 to FY2021 and disbursed, SBA records 5.1% as charged off, against 6.6% nationally.
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. Data through 30 Jun 2026.
Most active 7(a) lenders in Guam
Ranked by number of approvals to businesses in the state, FY2021–FY2025. The column of bars shows each lender's approvals here in every fiscal year; the charged-off column is the lender's nationwide figure.
| # | Lender | Approvals in GU, FY2021–25 | Dollars | Share | Median approval, all states | FY2016–26 | Charged off, FY2010–21 loans |
|---|---|---|---|---|---|---|---|
| 1 | Coast360 FCUMaite, GU | 20 | $4.7M | 60.6% | $50K | 1.3% | |
| 2 | Bank of GuamHagatna (Agana), GU | 12 | $4.3M | 36.4% | $188K | 8.3% | |
| 3 | Bank of HawaiiHonolulu, HI | 1 | — | 3.0% | $100K | 2.8% |
504 certified development companies
| # | Lender | Approvals in GU, FY2021–25 | Dollars | Share | Median approval, all states | FY2016–26 | Charged off, FY2010–21 loans |
|---|---|---|---|---|---|---|---|
| 1 | HEDCO Local Development CorporationHonolulu, HI · 504 CDC | 3 | $2.8M | 100.0% | $607K | 0.0% |
Fiscal-year ledger
| Fiscal year | 7(a) approvals | 7(a) dollars | Median 7(a) | 504 approvals | 504 dollars | All approvals | Jobs supported, as reported |
|---|---|---|---|---|---|---|---|
| FY2026* | 4 | $450K | $110K | 0 | — | 4 | 15 |
| FY2025 | 7 | $2.7M | $225K | 0 | — | 7 | 84 |
| FY2024 | 10 | $764K | $50K | 1 | — | 11 | 108 |
| FY2023 | 0 | — | — | 0 | — | 0 | 0 |
| FY2022 | 12 | $4.8M | $109K | 1 | — | 13 | 275 |
| FY2021 | 4 | $871K | $100K | 1 | — | 5 | 79 |
| FY2020 | 9 | $1.5M | $100K | 1 | — | 10 | 150 |
| FY2019 | 18 | $1.7M | $50K | 0 | — | 18 | 146 |
| FY2018 | 18 | $5.2M | $110K | 1 | — | 19 | 81 |
| FY2017 | 24 | $3.1M | $70K | 2 | — | 26 | 131 |
| FY2016 | 46 | $6.4M | $50K | 2 | — | 48 | 358 |
7(a) approvals504 approvals
Counties
Approvals in FY2021–FY2025 set against the Census Bureau's count of business establishments. Counties with at least 30 approvals have their own page.
| # | County | Approvals | Dollars | Establishments | Per 1,000 establishments | By fiscal year |
|---|---|---|---|---|---|---|
| 1 | Guam | 36 | $11.9M | — | — |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Restaurants and Other Eating PlacesNAICS 7225 | 4 | $210K | 11.1% | |
| 2 | Offices of DentistsNAICS 6212 | 3 | $1.5M | 8.3% | |
| 3 | Offices of Other Health PractitionersNAICS 6213 | 3 | $180K | 8.3% | |
| 4 | Couriers and Express Delivery ServicesNAICS 4921 | 2 | — | 5.6% | |
| 5 | Outpatient Care CentersNAICS 6214 | 2 | — | 5.6% | |
| 6 | Electronics and Appliance RetailersNAICS 4492 | 2 | — | 5.6% | |
| 7 | Office Supplies, Stationery, and Gift StoresNAICS 4532 | 2 | — | 5.6% | |
| 8 | Nonresidential Building ConstructionNAICS 2362 | 2 | — | 5.6% | |
| 9 | Personal Care ServicesNAICS 8121 | 2 | — | 5.6% | |
| 10 | Drycleaning and Laundry ServicesNAICS 8123 | 1 | — | 2.8% | |
| 11 | Building Equipment ContractorsNAICS 2382 | 1 | — | 2.8% | |
| 12 | Health and Personal Care RetailersNAICS 4561 | 1 | — | 2.8% | |
| 13 | Furniture StoresNAICS 4421 | 1 | — | 2.8% | |
| 14 | Drinking Places (Alcoholic Beverages)NAICS 7224 | 1 | — | 2.8% | |
| 15 | Child Day Care ServicesNAICS 6244 | 1 | — | 2.8% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Health Care and Social Assistance | 9 | 25.0% | |
| 2 | Retail Trade | 8 | 22.2% | |
| 3 | Accommodation and Food Services | 5 | 13.9% | |
| 4 | Other Services (except Public Administration) | 3 | 8.3% | |
| 5 | Construction | 3 | 8.3% | |
| 6 | Transportation and Warehousing | 2 | 5.6% | |
| 7 | Manufacturing | 2 | 5.6% | |
| 8 | Wholesale Trade | 1 | 2.8% | |
| 9 | Arts, Entertainment, and Recreation | 1 | 2.8% | |
| 10 | Real Estate and Rental and Leasing | 1 | 2.8% |
Franchise brands
| # | Brand | Approvals | Share |
|---|
How earlier loans turned out
| Loans approved FY2010–FY2021 | GU 7(a) | US 7(a) | GU 504 | US 504 |
|---|---|---|---|---|
| Approvals in these years | 463 | 639,905 | 25 | 85,591 |
| Cancelled or never disbursed | 73 | 79,313 | 5 | 12,514 |
| Disbursed loans | 390 | 560,592 | 20 | 73,077 |
| Paid in full | 361 | 435,813 | 8 | 35,491 |
| Charged off | 20 | 36,891 | 0 | 905 |
| Still outstanding (status exempt from disclosure) | 9 | 87,888 | 12 | 36,681 |
| Charged off, share of disbursed loans | 5.1% | 6.6% | too few loans | 1.2% |
| Dollars charged off, share of disbursed dollars | 2.2% | 2.5% | too few loans | 0.9% |
| Dollars charged off | $1.2M | $5.70bn | — | $499M |
Approval sizes
- $50,000 or less38.9%14
- $50,001 to $150,00025.0%9
- $150,001 to $350,00011.1%4
- $350,001 to $1 million16.7%6
- $1 million to $2 million5.6%2
- Over $2 million2.8%1
Age of the businesses
- Existing, more than 2 years old61.1%22
- New business, 2 years or less11.1%4
- Startup, loan funds will open the business22.2%8
- Change of ownership5.6%2
Against the country
| FY2021–FY2025 | Guam | United States |
|---|---|---|
| Approvals per 1,000 establishments | — | 41.0 |
| Median 7(a) approval | $100K | $190K |
| Median 504 approval | $755K | $657K |
| 504 share of approvals | 8.3% | 11.0% |
| Jobs supported per approval, as reported | 15.2 | 10.5 |
| Approvals, change on FY2016–FY2020 | -70% | 10% |
Questions and answers
Which lenders make the most SBA loans in Guam?
By 7(a) approvals in FY2021 to FY2025: Coast360 FCU (20), Bank of Guam (12), Bank of Hawaii (1). For 504 loans: HEDCO Local Development Corporation (3). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Guam?
The median 7(a) approval was $100K and the median 504 approval $755K; the average across both programs was $329K.
Which industries get the most SBA loans in Guam?
Restaurants and Other Eating Places (4); Offices of Dentists (3); Offices of Other Health Practitioners (3); Couriers and Express Delivery Services (2); Outpatient Care Centers (2).
Which Guam counties receive the most SBA loans?
Guam (36), by approvals in FY2021 to FY2025.
Is SBA lending in Guam rising?
Approvals in the three latest complete fiscal years total 18, against 28 in the three before: falling (-36%).
What share of SBA loans in Guam are charged off?
Of 7(a) loans approved in FY2010 to FY2021 and disbursed, 5.1% are recorded as charged off (national: 6.6%). Newer loans are left out because most have not had time to reach either outcome.
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. Establishment counts are from the Census Bureau's County Business Patterns 2023, which leaves out most farms, government and businesses without employees. Dollar figures behind fewer than three approvals are not shown, and no borrower is named anywhere on this site.Methodology · Report an error