Commercial Bank of California
Headquartered in IRVINE, CA. Analysis based on 216 SBA 7(a) loans approved between FY2020 and 2025-12-31, totaling $316.6M.
Total 7(a) loans
216
Total approved
$316.6M
Average loan
$1.5M
States funded in
18
Charge-off rate
0.00%
FY2020–FY2023 cohort
Paid-in-full rate
24.50%
Average rate
7.15%
Average term
235 mo
Top 10 industries financed
| NAICS | Industry | Loans |
|---|---|---|
| 721110 | Hotels (except Casino Hotels) and Motels | 32 |
| 812199 | Other Personal Care Services | 12 |
| 722513 | Limited-Service Restaurants | 11 |
| 624410 | Child Day Care Services | 10 |
| 811111 | General Automotive Repair | 8 |
| 722511 | Full-Service Restaurants | 7 |
| 447110 | Gasoline Stations with Convenience Stores | 6 |
| 524210 | Insurance Agencies and Brokerages | 5 |
| 621210 | Offices of Dentists | 5 |
| 484110 | General Freight Trucking, Local | 4 |
Top 10 states
| State | Loans |
|---|---|
| CA | 173 |
| NJ | 7 |
| WA | 5 |
| TX | 4 |
| AZ | 4 |
| OK | 3 |
| GA | 3 |
| VA | 2 |
| NV | 2 |
| CO | 2 |
Top franchise brands financed
24 franchise loans across 17 distinct brands.
| Franchise | Loans |
|---|---|
| Econo Lodge by Choice Hotels/E | 4 |
| Motel 6 | 3 |
| IPC (USA) Inc. (Sinclair) Deal | 2 |
| Travelodge by Wyndham | 2 |
| Parks Petroleum Products (Phil | 1 |
| Magnuson Hotels | 1 |
| Days Inn by Wyndham | 1 |
| Van De Pol Enterprises, Inc. ( | 1 |
| Best Western - Membership Agre | 1 |
| El Pollo Loco | 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.