West Coast Community Bank
Headquartered in SANTA CRUZ, CA. Analysis based on 222 SBA 7(a) loans approved between FY2020 and 2025-12-31, totaling $245.8M.
Total 7(a) loans
222
Total approved
$245.8M
Average loan
$1.1M
States funded in
7
Charge-off rate
0.00%
FY2020–FY2023 cohort
Paid-in-full rate
34.08%
Average rate
7.08%
Average term
204 mo
Top 10 industries financed
| NAICS | Industry | Loans |
|---|---|---|
| 721110 | Hotels (except Casino Hotels) and Motels | 38 |
| 722511 | Full-Service Restaurants | 19 |
| 722513 | Limited-Service Restaurants | 19 |
| 445110 | Supermarkets and Other Grocery (except Convenience) Stores | 16 |
| 445120 | Convenience Stores | 13 |
| 484121 | General Freight Trucking, Long Distance, Truckload | 7 |
| 447110 | Gasoline Stations with Convenience Stores | 7 |
| 238990 | All Other Specialty Trade Contractors | 5 |
| 311811 | Retail Bakeries | 4 |
| 484110 | General Freight Trucking, Local | 4 |
Top 10 states
| State | Loans |
|---|---|
| CA | 203 |
| OR | 10 |
| WA | 3 |
| ID | 2 |
| NV | 2 |
| AZ | 1 |
| CO | 1 |
Top franchise brands financed
35 franchise loans across 22 distinct brands.
| Franchise | Loans |
|---|---|
| Mountain Mike's Pizza | 8 |
| Motel 6 | 4 |
| Rodeway Inn by Choice Hotels/R | 2 |
| Days Inn by Wyndham | 2 |
| Nick the Greek | 2 |
| Best Western - Membership Agre | 1 |
| GuestHouse International | 1 |
| Budget Blinds | 1 |
| Circle K Stores, Inc. (Multi B | 1 |
| Holiday Inn Express/Holiday In | 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.