American Continental Bank
Headquartered in City of Industry, CA. Analysis based on 258 SBA 7(a) loans approved between FY2020 and 2025-12-31, totaling $273.7M.
Total 7(a) loans
258
Total approved
$273.7M
Average loan
$1.1M
States funded in
10
Charge-off rate
0.57%
FY2020–FY2023 cohort
Paid-in-full rate
30.86%
Average rate
7.16%
Average term
205 mo
Top 10 industries financed
| NAICS | Industry | Loans |
|---|---|---|
| 722511 | Full-Service Restaurants | 33 |
| 721110 | Hotels (except Casino Hotels) and Motels | 26 |
| 445310 | Beer, Wine, and Liquor Stores | 22 |
| 445110 | Supermarkets and Other Grocery (except Convenience) Stores | 19 |
| 447110 | Gasoline Stations with Convenience Stores | 14 |
| 722513 | Limited-Service Restaurants | 10 |
| 445120 | Convenience Stores | 7 |
| 623312 | Homes for the Elderly | 5 |
| 812310 | Coin-Operated Laundries and Drycleaners | 5 |
| 812320 | Drycleaning and Laundry Services (except Coin-Operated) | 5 |
Top 10 states
| State | Loans |
|---|---|
| CA | 174 |
| TX | 45 |
| WA | 23 |
| OR | 8 |
| NV | 2 |
| AZ | 2 |
| NJ | 1 |
| AR | 1 |
| LA | 1 |
| MS | 1 |
Top franchise brands financed
42 franchise loans across 29 distinct brands.
| Franchise | Loans |
|---|---|
| Chevron - Retail Supply Contra | 4 |
| Circle K (C-store Agreement on | 3 |
| Arco (BP) Contract Dealer Gaso | 2 |
| Valero Marketing and Supply Co | 2 |
| Motel 6 | 2 |
| PostalAnnex+ (Retail Center) | 2 |
| Studio 6 | 2 |
| Quality Inn by Choice Hotels / | 2 |
| AM/PM Mini-Mart Agreement - AR | 2 |
| Best Western - Membership Agre | 2 |
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Data source & methodology
All figures computed from the SBA Office of Capital Access FOIA dataset (7(a) loans, FY2020–present, as of 2025-12-31). Charge-off and paid-in-full rates are calculated on the FY2020–FY2023 cohort only, so loans have had time to mature. Charge-off rank covers lenders with ≥500 mature loans.