SBA lender · 504 / CDC program
So Cal CDC
So Cal CDC has approved 356 SBA loans worth $335.2M since FY2010 - the #262 SBA lender in the country by dollars approved. Everything below comes from the SBA’s own loan-level records.
National rank
#262
0.07% of all SBA dollars
Total approved
$335.2M
FY2010 onward
Loans
356
Median loan
$598,000
+232% vs national
Median rate
-
7(a) only
Charge-off rate
1.7%
115 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 So Cal CDC’s numbers say
So Cal CDC sits in the long tail of the SBA lending field, having approved 356 loans for a gross total of $335.2M since fiscal 2010. Its median loan of $598,000 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.
Of its FY2010-FY2019 approvals that have reached a terminal status, 1.7% were charged off, 5.8 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 So Cal CDC lends
| State | Loans | Share |
|---|---|---|
| California | 356 |
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 So Cal CDC
- How many SBA loans has So Cal CDC approved?
- So Cal CDC has approved 356 SBA loans totalling $335,170,000 in gross approvals from fiscal year 2010 through the most recent SBA data release. That places it #262 among all SBA lenders by dollars approved.
- What is the typical So Cal CDC SBA loan size?
- The median gross approval is $598,000, with the middle 80% of loans falling between $235,000 and $2,015,000. The national median across all SBA lenders is $180,000.
- What is So Cal CDC's SBA loan charge-off rate?
- 1.7% 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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