Royal Business Bank
Headquartered in Los Angeles, CA. Analysis based on 98 SBA 7(a) loans approved between FY2020 and 2025-12-31, totaling $125.4M.
Total 7(a) loans
98
Total approved
$125.4M
Average loan
$1.3M
States funded in
8
Charge-off rate
0.00%
FY2020–FY2023 cohort
Paid-in-full rate
33.33%
Average rate
7.98%
Average term
200 mo
Top 10 industries financed
| NAICS | Industry | Loans |
|---|---|---|
| 722513 | Limited-Service Restaurants | 16 |
| 722511 | Full-Service Restaurants | 9 |
| 721110 | Hotels (except Casino Hotels) and Motels | 8 |
| 445310 | Beer, Wine, and Liquor Stores | 6 |
| 446110 | Pharmacies and Drug Stores | 3 |
| 812113 | Nail Salons | 2 |
| 722515 | Snack and Nonalcoholic Beverage Bars | 2 |
| 541110 | Offices of Lawyers | 2 |
| 447110 | Gasoline Stations with Convenience Stores | 2 |
| 445110 | Supermarkets and Other Grocery (except Convenience) Stores | 2 |
Top 10 states
| State | Loans |
|---|---|
| CA | 75 |
| NV | 8 |
| NY | 6 |
| NJ | 3 |
| WA | 2 |
| OR | 2 |
| AZ | 1 |
| MT | 1 |
Top franchise brands financed
21 franchise loans across 14 distinct brands.
| Franchise | Loans |
|---|---|
| Papa John's | 4 |
| Motel 6 | 3 |
| Mr. Pickle's Sandwich Shop | 3 |
| The UPS Store (f/k/a Mail Box | 1 |
| Color Me Mine | 1 |
| The Halal Guys | 1 |
| Super 8 by Wyndhan | 1 |
| Knights Inn | 1 |
| Tropical Juice Bar | 1 |
| Americas Best Value Inn | 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.