SBA lender · 7(a) program
Business Finance Capital
Business Finance Capital has approved 2,814 SBA loans worth $3.53B since FY2010 - the #26 SBA lender in the country by dollars approved. Everything below comes from the SBA’s own loan-level records.
National rank
#26
0.70% of all SBA dollars
Total approved
$3.53B
FY2010 onward
Loans
2,814
Median loan
$901,000
+401% vs national
Median rate
10.50%
+3.75 pts vs national
Charge-off rate
1.5%
406 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 Business Finance Capital’s numbers say
Business Finance Capital sits solidly inside the SBA lending field, having approved 2,814 loans for a gross total of $3.53B since fiscal 2010. Its median loan of $901,000 is substantially larger than the $180,000 national median, which 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 10.50%, 3.75 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, 1.5% were charged off, 6.1 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 1% of its approvals went to businesses the SBA classified as new rather than existing, against 11% nationally - a book weighted toward established operators.
Where Business Finance Capital lends
What it lends against
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.
Questions about Business Finance Capital
- How many SBA loans has Business Finance Capital approved?
- Business Finance Capital has approved 2,814 SBA loans totalling $3,525,803,500 in gross approvals from fiscal year 2010 through the most recent SBA data release. That places it #26 among all SBA lenders by dollars approved.
- What is the typical Business Finance Capital SBA loan size?
- The median gross approval is $901,000, with the middle 80% of loans falling between $333,000 and $2,649,000. The national median across all SBA lenders is $180,000.
- What interest rate does Business Finance Capital charge on SBA 7(a) loans?
- The median initial note rate on Business Finance Capital's 7(a) approvals is 10.50%, 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 Business Finance Capital's SBA loan charge-off rate?
- 1.5% 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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