American Continental Bank: SBA Lending Profile
American Continental Bank is an FDIC-insured bank, headquartered in City Of Industry, CA. It is active in 10 states, concentrated around CA, TX, WA. Everything below comes from federal SBA loan records, not from the lender's marketing. This is what it has actually funded.
Loan sizes American Continental Bank actually approves
The median SBA approval at American Continental Bank is $680,000. The middle 80% of its loans fall between $225,000 and $2,704,000. The smallest approval on record since 2020 is $50,000 and the largest is $5,000,000. If the amount you need sits far outside that range, this is probably not the right first call, no matter what the website says.
Programs
| Program | Loans FY25-26 | Median size | Median rate | Median term |
|---|---|---|---|---|
| SBA 7(a) | 70 | $680K | 7.5% | 10 years |
| 504 first mortgage (third party) | 3 | $2.7M | n/a | 25 years |
Industries it funds most
| Industry | Loans since 2020 | Share |
|---|---|---|
| Beer, Wine, and Liquor Retailers | 53 | 20.3% |
| Full-Service Restaurants | 33 | 12.6% |
| Hotels (except Casino Hotels) and Motels | 24 | 9.2% |
| Beer, Wine, and Liquor Stores | 21 | 8% |
| Supermarkets and Other Grocery (except Convenience) Stores | 19 | 7.3% |
| Gasoline Stations with Convenience Stores | 15 | 5.7% |
| Convenience Retailers | 15 | 5.7% |
| Gasoline Stations with Convenience Stores | 13 | 5% |
| Limited-Service Restaurants | 10 | 3.8% |
| Convenience Stores | 5 | 1.9% |
| Drycleaning and Laundry Services (except Coin-Operated) | 5 | 1.9% |
| Coin-Operated Laundries and Drycleaners | 5 | 1.9% |
Borrower profile
- 29.9% of its recent SBA loans went to startups or businesses under two years old.
- Collateral was taken on 99.6% of its recent SBA loans.
- 0% of its loans carry fixed rates; the rest are variable.
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Sources and limits. Figures are derived from U.S. Small Business Administration 7(a) and 504 FOIA loan-level records (data as of 2026-06-30, retrieved 2026-08-08) and FDIC public institution data. They describe past lending activity only. They are not rate quotes, not current offers, and not an indication that any business will qualify. Lender programs and criteria change. Big Brain Funding is not affiliated with or endorsed by American Continental Bank.