Central Bank
Headquartered in PROVO, UT. Analysis based on 545 SBA 7(a) loans approved between FY2020 and 2025-12-31, totaling $225.6M.
Total 7(a) loans
545
Total approved
$225.6M
Average loan
$414K
States funded in
9
Charge-off rate
0.80%
FY2020–FY2023 cohort
Paid-in-full rate
34.04%
Average rate
7.78%
Average term
131 mo
Top 10 industries financed
| NAICS | Industry | Loans |
|---|---|---|
| 722513 | Limited-Service Restaurants | 31 |
| 713940 | Fitness and Recreational Sports Centers | 15 |
| 722515 | Snack and Nonalcoholic Beverage Bars | 12 |
| 561730 | Landscaping Services | 12 |
| 812199 | Other Personal Care Services | 11 |
| 722511 | Full-Service Restaurants | 11 |
| 238910 | Site Preparation Contractors | 11 |
| 812112 | Beauty Salons | 9 |
| 621111 | Offices of Physicians (except Mental Health Specialists) | 9 |
| 238220 | Plumbing, Heating, and Air-Conditioning Contractors | 8 |
Top 10 states
| State | Loans |
|---|---|
| UT | 467 |
| FL | 46 |
| IA | 14 |
| GA | 7 |
| TX | 4 |
| AL | 3 |
| NE | 2 |
| MS | 1 |
| AZ | 1 |
Top franchise brands financed
64 franchise loans across 44 distinct brands.
| Franchise | Loans |
|---|---|
| FASTSIGNS | 4 |
| Race Trac | 4 |
| Jersey Mike's | 3 |
| The Yard Milkshake Bar | 3 |
| Uncle Sharkii Poke Bar | 2 |
| DRIPBaR | 2 |
| Renew Medic | 2 |
| Painter1 | 2 |
| Conserva Irrigation | 2 |
| Moe's Southwest Grill | 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.