SBA lender · 504 / CDC program
Provident Business Financial Services, Inc.
Provident Business Financial Services, Inc. has approved 238 SBA loans worth $254.6M since FY2010 - the #305 SBA lender in the country by dollars approved. Everything below comes from the SBA’s own loan-level records.
National rank
#305
0.05% of all SBA dollars
Total approved
$254.6M
FY2010 onward
Loans
238
Median loan
$613,000
+241% vs national
Median rate
-
7(a) only
Charge-off rate
0.0%
52 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 Provident Business Financial Services, Inc.’s numbers say
Provident Business Financial Services, Inc. sits in the long tail of the SBA lending field, having approved 238 loans for a gross total of $254.6M since fiscal 2010. Its median loan of $613,000 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.
Of its FY2010-FY2019 approvals that have reached a terminal status, 0.0% were charged off, 7.6 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 14% 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 Provident Business Financial Services, Inc. lends
| State | Loans | Share |
|---|---|---|
| South Carolina | 231 | |
| North Carolina | 6 | |
| Tennessee | 1 |
Franchise brands Provident Business Financial Services, Inc. financed
| Franchise brand | Loans | Approved | Share |
|---|---|---|---|
| Buffalo Wild Wings (f | 4 | $1.2M | |
| Ace Hardware | 3 | $4.5M | |
| Choice Hotels International Inc. | 2 | $3.5M | |
| Mellow Mushroom | 2 | $2.9M | |
| Sleep Inn | 2 | $4.3M | |
| State Farm Insurance | 1 | $184K | |
| Gold's Gym | 1 | $2.9M | |
| Anytime Fitness | 1 | $619K |
Brands with the most Provident Business Financial Services, 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.
Questions about Provident Business Financial Services, Inc.
- How many SBA loans has Provident Business Financial Services, Inc. approved?
- Provident Business Financial Services, Inc. has approved 238 SBA loans totalling $254,596,000 in gross approvals from fiscal year 2010 through the most recent SBA data release. That places it #305 among all SBA lenders by dollars approved.
- What is the typical Provident Business Financial Services, Inc. SBA loan size?
- The median gross approval is $613,000, with the middle 80% of loans falling between $179,000 and $2,578,000. The national median across all SBA lenders is $180,000.
- What is Provident Business Financial Services, Inc.'s SBA loan charge-off rate?
- 0.0% 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.
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