Centerstone SBA Lending, Inc.
Headquartered in LOS ANGELES, CA. Analysis based on 365 SBA 7(a) loans approved between FY2020 and 2025-12-31, totaling $530.6M.
Total 7(a) loans
365
Total approved
$530.6M
Average loan
$1.5M
States funded in
40
Charge-off rate
1.15%
FY2020–FY2023 cohort
Paid-in-full rate
29.31%
Average rate
8.38%
Average term
211 mo
Top 10 industries financed
| NAICS | Industry | Loans |
|---|---|---|
| 721110 | Hotels (except Casino Hotels) and Motels | 74 |
| 722511 | Full-Service Restaurants | 30 |
| 722513 | Limited-Service Restaurants | 27 |
| 492110 | Couriers | 15 |
| 445110 | Supermarkets and Other Grocery (except Convenience) Stores | 9 |
| 447110 | Gasoline Stations with Convenience Stores | 8 |
| 624410 | Child Day Care Services | 6 |
| 722515 | Snack and Nonalcoholic Beverage Bars | 5 |
| 811192 | Car Washes | 4 |
| 541110 | Offices of Lawyers | 4 |
Top 10 states
| State | Loans |
|---|---|
| CA | 76 |
| IL | 44 |
| TX | 23 |
| GA | 18 |
| NC | 15 |
| FL | 15 |
| CO | 14 |
| VA | 11 |
| NY | 11 |
| PA | 10 |
Top franchise brands financed
88 franchise loans across 42 distinct brands.
| Franchise | Loans |
|---|---|
| The UPS Store (f/k/a Mail Box | 16 |
| Days Inn by Wyndham | 7 |
| Super 8 by Wyndhan | 7 |
| Best Western - Membership Agre | 5 |
| Subway | 4 |
| Tous Les Jours | 3 |
| SC Fuels - Southern Counties O | 3 |
| Comfort Inn by Choice Hotels/C | 2 |
| Baymont by Wyndham aka Baymont | 2 |
| Firehouse Subs | 2 |
Get matched with SBA lenders — free
Tell us a bit about your funding need. We'll connect you to SBA-preferred lenders active in your industry and state. No obligation.
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.