American Riviera Bank
Headquartered in SANTA BARBARA, CA. Analysis based on 84 SBA 7(a) loans approved between FY2020 and 2025-12-31, totaling $40.9M.
Total 7(a) loans
84
Total approved
$40.9M
Average loan
$487K
States funded in
2
Charge-off rate
0.00%
FY2020–FY2023 cohort
Paid-in-full rate
38.98%
Average rate
8.05%
Average term
122 mo
Top 10 industries financed
| NAICS | Industry | Loans |
|---|---|---|
| 722513 | Limited-Service Restaurants | 5 |
| 713940 | Fitness and Recreational Sports Centers | 4 |
| 722511 | Full-Service Restaurants | 3 |
| 541330 | Engineering Services | 3 |
| 238160 | Roofing Contractors | 3 |
| 237130 | Power and Communication Line and Related Structures Construction | 2 |
| 424410 | General Line Grocery Merchant Wholesalers | 2 |
| 424910 | Farm Supplies Merchant Wholesalers | 2 |
| 424310 | Piece Goods, Notions, and Other Dry Goods Merchant Wholesalers | 2 |
| 562991 | Septic Tank and Related Services | 2 |
Top 10 states
| State | Loans |
|---|---|
| CA | 83 |
| NY | 1 |
Top franchise brands financed
5 franchise loans across 3 distinct brands.
| Franchise | Loans |
|---|---|
| The UPS Store (f/k/a Mail Box | 3 |
| Cold Stone Creamery | 1 |
| Tifa Chocolate & Gelato | 1 |
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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.