Commonwealth Business Bank
SBA 7(a) Lending Profile · FY 2026 analysis
Industry Focus
Top industries served by Commonwealth Business Bank
| NAICS | Industry | Loans | Volume | Avg Loan | Share |
|---|---|---|---|---|---|
| 445120 | Convenience Stores | 856 | $540.7M | $632K | 10.9% |
| 721110 | Hotels (except Casino Hotels) and Motels | 808 | $2.32B | $2.9M | 10.3% |
| 722511 | Full-Service Restaurants | 656 | $579.4M | $883K | 8.4% |
| 445320 | Other | 608 | $476.5M | $784K | 7.8% |
| 457110 | Other | 584 | $1.06B | $1.8M | 7.4% |
| 447110 | Gasoline Stations with Convenience Stores | 536 | $936.8M | $1.7M | 6.8% |
| 722513 | Limited-Service Restaurants | 400 | $301.1M | $753K | 5.1% |
| 445131 | Other | 352 | $200.0M | $568K | 4.5% |
| 445110 | Supermarkets and Other Grocery (except Convenience) Stores | 296 | $391.2M | $1.3M | 3.8% |
| 623312 | Homes for the Elderly | 192 | $214.1M | $1.1M | 2.4% |
Geographic Distribution
SBA lending activity for Commonwealth Business Bank by state
| State | Loans | Volume | Share |
|---|---|---|---|
| California (CA) | 4,640 | $4.82B | 59.2% |
| Texas (TX) | 1,000 | $1.66B | 12.8% |
| Washington (WA) | 544 | $853.8M | 6.9% |
| Georgia (GA) | 520 | $745.8M | 6.6% |
| New York (NY) | 144 | $230.2M | 1.8% |
| Colorado (CO) | 112 | $223.0M | 1.4% |
| Oregon (OR) | 96 | $160.1M | 1.2% |
| North Carolina (NC) | 64 | $136.7M | 0.8% |
| Nevada (NV) | 96 | $123.0M | 1.2% |
| Arizona (AZ) | 64 | $113.2M | 0.8% |
| Hawaii (HI) | 104 | $100.3M | 1.3% |
| Florida (FL) | 40 | $91.5M | 0.5% |
| Ohio (OH) | 48 | $90.0M | 0.6% |
| South Carolina (SC) | 16 | $66.8M | 0.2% |
| Tennessee (TN) | 40 | $64.6M | 0.5% |
| Wyoming (WY) | 24 | $55.7M | 0.3% |
| Virginia (VA) | 24 | $50.3M | 0.3% |
| North Dakota (ND) | 16 | $47.5M | 0.2% |
| Alabama (AL) | 40 | $47.4M | 0.5% |
| Maryland (MD) | 16 | $47.0M | 0.2% |
| Louisiana (LA) | 32 | $44.9M | 0.4% |
| West Virginia (WV) | 8 | $40.0M | 0.1% |
| Mississippi (MS) | 16 | $30.8M | 0.2% |
| Rhode Island (RI) | 8 | $22.1M | 0.1% |
| New Jersey (NJ) | 32 | $21.9M | 0.4% |
| Michigan (MI) | 24 | $20.4M | 0.3% |
| Utah (UT) | 16 | $18.4M | 0.2% |
| Oklahoma (OK) | 8 | $14.4M | 0.1% |
| Indiana (IN) | 8 | $9.2M | 0.1% |
| Wisconsin (WI) | 16 | $7.9M | 0.2% |
| District of Columbia (DC) | 16 | $5.6M | 0.2% |
| Kansas (KS) | 8 | $4.8M | 0.1% |
Why Choose Commonwealth Business Bank?
Based on SBA 7(a) lending track record from 2020-2025
- ✓Proven Track Record: 7,840 SBA loans approved, totaling $9.97B in financing
- ✓Industry Expertise: Specialized focus on Convenience Stores, Hotels (except Casino Hotels) and Motels, Full-Service Restaurants
- ✓Competitive Terms: Average interest rate of 6.79% with flexible term lengths averaging 224 months
- ✓Loan Range: Loan sizes from $50K to $5.0M, with an average of $1.3M
- ✓Nationwide Reach: Active lending in 32 states, with strong presence in CA, TX, WA
Note: Approval and terms are subject to SBA and lender requirements. This profile is based on historical data and does not guarantee future lending decisions.
Frequently Asked Questions
Common questions about Commonwealth Business Bank SBA lending
What types of businesses does Commonwealth Business Bank typically finance?
Commonwealth Business Bank specializes in SBA 7(a) lending to specific industries including convenience stores, hotels (except casino hotels) and motels, full-service restaurants, other. They have developed expertise in these sectors and understand the unique financial characteristics of each industry.
What are Commonwealth Business Bank's typical SBA loan terms?
Commonwealth Business Bank's SBA 7(a) loans typically feature an average interest rate of 6.79% and average term length of 224 months (approximately 19 years). Loan sizes range from $50K to $5.0M, with an average loan size of $1.3M.
Do I need a business valuation for a Commonwealth Business Bank SBA loan?
Yes, Commonwealth Business Bank typically requires a professional business valuation for SBA loans over $250,000 or for change-of-ownership transactions. A certified valuation helps establish the purchase price, loan amount, and ensures SBA compliance. The valuation typically costs $5,000-$15,000 depending on business complexity.
How does Commonwealth Business Bank compare to other SBA lenders?
Commonwealth Business Bank has originated 7,840 SBA loans totaling $9.97B since 2020. They distinguish themselves through industry specialization and expertise in their focus sectors. Compare their rates and terms with other lenders in our Commercial Lending Directory.
What states does Commonwealth Business Bank lend in?
Commonwealth Business Bank provides SBA 7(a) financing with particularly strong presence in CA, TX, WA, GA, NY. Based on their lending history, they have experience with diverse state-specific business regulations and licensing requirements.
Research Your Target Industry Before Applying
Before applying for SBA financing, research your industry's typical loan sizes, approval rates, and specialized lenders. Understanding industry-specific financing patterns can help you find the right lender and strengthen your application.
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