Western Commerce Bank
Headquartered in CARLSBAD, NM. Analysis based on 256 SBA 7(a) loans approved between FY2020 and 2025-12-31, totaling $164.8M.
Total 7(a) loans
256
Total approved
$164.8M
Average loan
$644K
States funded in
6
Charge-off rate
0.00%
FY2020–FY2023 cohort
Paid-in-full rate
29.21%
Average rate
7.31%
Average term
143 mo
Top 10 industries financed
| NAICS | Industry | Loans |
|---|---|---|
| 213112 | Support Activities for Oil and Gas Operations | 58 |
| 721110 | Hotels (except Casino Hotels) and Motels | 40 |
| 722511 | Full-Service Restaurants | 9 |
| 238210 | Electrical Contractors | 7 |
| 621111 | Offices of Physicians (except Mental Health Specialists) | 6 |
| 722515 | Snack and Nonalcoholic Beverage Bars | 6 |
| 812112 | Beauty Salons | 5 |
| 531130 | Lessors of Miniwarehouses and Self-Storage Units | 5 |
| 238990 | All Other Specialty Trade Contractors | 4 |
| 336120 | Heavy Duty Truck Manufacturing | 4 |
Top 10 states
| State | Loans |
|---|---|
| NM | 227 |
| TX | 18 |
| AZ | 6 |
| CA | 2 |
| WI | 2 |
| SC | 1 |
Top franchise brands financed
35 franchise loans across 22 distinct brands.
| Franchise | Loans |
|---|---|
| Quality Inn by Choice Hotels / | 5 |
| Super 8 by Wyndhan | 4 |
| Days Inn by Wyndham | 3 |
| Bahama Buck's Original Shaved | 2 |
| Pirtek | 2 |
| Microtel Inn & Suites by Wyndh | 2 |
| Comfort Inn by Choice Hotels/C | 2 |
| Travelodge by Wyndham | 1 |
| Best Western - Membership Agre | 1 |
| Clean Juice | 1 |
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.