Mortgage Capital Development Corporation
Headquartered in Oakland, CA. Analysis based on 123 SBA 7(a) loans approved between FY2020 and 2025-12-31, totaling $27.5M.
Total 7(a) loans
123
Total approved
$27.5M
Average loan
$223K
States funded in
6
Charge-off rate
3.03%
FY2020–FY2023 cohort
Paid-in-full rate
12.12%
Average rate
10.00%
Average term
124 mo
Top 10 industries financed
| NAICS | Industry | Loans |
|---|---|---|
| 722511 | Full-Service Restaurants | 13 |
| 722513 | Limited-Service Restaurants | 6 |
| 722515 | Snack and Nonalcoholic Beverage Bars | 5 |
| 541110 | Offices of Lawyers | 4 |
| 624410 | Child Day Care Services | 4 |
| 812199 | Other Personal Care Services | 3 |
| 621111 | Offices of Physicians (except Mental Health Specialists) | 3 |
| 621330 | Offices of Mental Health Practitioners (except Physicians) | 3 |
| 611511 | Cosmetology and Barber Schools | 2 |
| 812112 | Beauty Salons | 2 |
Top 10 states
| State | Loans |
|---|---|
| CA | 97 |
| NV | 15 |
| AZ | 8 |
| WY | 1 |
| OR | 1 |
| ND | 1 |
Top franchise brands financed
5 franchise loans across 5 distinct brands.
| Franchise | Loans |
|---|---|
| Oakberry Store | 1 |
| You Move Me | 1 |
| Dunkin' Donuts | 1 |
| Sourdough & Co / World of Sour | 1 |
| PuroClean | 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.