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SBA lender · 7(a) program
AMPAC Tri-State CDC, Inc.
AMPAC Tri-State CDC, Inc. has approved 1,224 SBA loans worth $970.1M since FY2010 - the #108 SBA lender in the country by dollars approved. Everything below comes from the SBA’s own loan-level records.
National rank
#108
0.19% of all SBA dollars
Total approved
$970.1M
FY2010 onward
Loans
1,224
Median loan
$444,500
+147% vs national
Median rate
12.00%
+5.25 pts vs national
Charge-off rate
1.1%
278 resolved FY10-19 loans
Source: U.S. Small Business Administration, SBA 7(a) and 504 FOIA data, as of 2026-06-30. Approvals from FY2010 onward. How we calculate this.
Reading the record
What AMPAC Tri-State CDC, Inc.’s numbers say
AMPAC Tri-State CDC, Inc. sits solidly inside the SBA lending field, having approved 1,224 loans for a gross total of $970.1M since fiscal 2010. Its median loan of $444,500 is substantially larger than the $180,000 national median, a pattern that usually signals a focus on real-estate-backed or acquisition deals rather than small working-capital notes.
The median initial note rate across its 7(a) approvals is 12.00%, 5.25 points above the national median of 6.75%. Rate medians drawn across fifteen years reflect the mix of loan sizes and vintages a lender wrote as much as its pricing posture - a lender that grew fastest during a high-rate stretch will look expensive here even if its spread was ordinary.
Of its FY2010-FY2019 approvals that have reached a terminal status, 1.1% were charged off, 6.5 points below the national figure of 7.6%. Read that as a description of the credit box a lender chose, not as a verdict on it: lenders serving newer businesses and thinner files will always show higher losses than those writing large, collateralised acquisition loans.
Roughly 9% of its approvals with a recorded business age went to startups or businesses two years old or less, against 27% nationally - a book weighted toward established operators.
Where AMPAC Tri-State CDC, Inc. lends
| State | Loans | Share |
|---|---|---|
| California | 1,181 | |
| Arizona | 21 | |
| Nevada | 17 | |
| Indiana | 2 | |
| Texas | 2 | |
| Pennsylvania | 1 |
What it lends against
Franchise brands AMPAC Tri-State CDC, Inc. financed
| Franchise brand | Loans | Approved | Share |
|---|---|---|---|
| Arco | 5 | $7.7M | |
| Cold Stone Creamery | 4 | $1.0M | |
| Chevron | 3 | $2.7M | |
| Holiday Inn Express | 2 | $5.0M | |
| El Pollo Loco | 2 | $563K | |
| Golden Corral | 2 | $1.6M | |
| Aaron's Sales & Lease Ownership | 2 | $1.1M | |
| Subway | 2 | $780K |
Brands with the most AMPAC Tri-State CDC, Inc. SBA loans, among brands with at least 10 loans in the file. Compare lenders across all franchise lending on SBA lenders for franchises.
Source: U.S. Small Business Administration, SBA 7(a) and 504 FOIA data, as of 2026-06-30. Approvals from FY2010 onward. How we calculate this.
A different SBA 7(a) lender
SmartBiz is a separate company from AMPAC Tri-State CDC, Inc.. An SBA 7(a) lender and marketplace for loans up to $500,000, plus bank term loans and custom financing. You apply on their site - we do not take applications and never see your information.
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Questions about AMPAC Tri-State CDC, Inc.
- How many SBA loans has AMPAC Tri-State CDC, Inc. approved?
- AMPAC Tri-State CDC, Inc. has approved 1,224 SBA loans totalling $970,132,000 in gross approvals from fiscal year 2010 through the most recent SBA data release. That places it #108 among all SBA lenders by dollars approved.
- What is the typical AMPAC Tri-State CDC, Inc. SBA loan size?
- The median gross approval is $444,500, with the middle 80% of loans falling between $89,000 and $1,943,000. The national median across all SBA lenders is $180,000.
- What interest rate does AMPAC Tri-State CDC, Inc. charge on SBA 7(a) loans?
- The median initial note rate on AMPAC Tri-State CDC, Inc.'s 7(a) approvals is 12.00%, compared with a national median of 6.75%. This is a historical median across all approvals since FY2010, not a quote - SBA 7(a) rates are pegged to a base rate that moves, and your rate depends on loan size, term, and credit profile.
- What is AMPAC Tri-State CDC, Inc.'s SBA loan charge-off rate?
- 1.1% of its FY2010-FY2019 approvals that have reached a terminal status were charged off, against a national figure of 7.6%. A charge-off rate reflects the borrowers a lender chose to underwrite as much as anything else, and is not a measure of service quality.
Where to go from here
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