Business Finance Capital: SBA Lending Profile
Business Finance Capital is a Certified Development Company (CDC), headquartered in Los Angeles, CA. It is active in 6 states, concentrated around CA, HI, NV. Everything below comes from federal SBA loan records, not from the lender's marketing. This is what it has actually funded.
Loan sizes Business Finance Capital actually approves
The median SBA approval at Business Finance Capital is $881,000. The middle 80% of its loans fall between $331,800 and $2,571,400. The smallest funded approval in the available source window is $131,000 and the largest is $5,500,000. 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 504 | 544 | $881K | n/a | 25 years |
| SBA 7(a) | 5 | $299K | 10.5% | 10 years |
Industries it funds most
| Industry | Funded loans in source data | Share |
|---|---|---|
| Women's, Children's, and Infants' Clothing and Accessories Merchant Wholesalers | 74 | 3.3% |
| Offices of Lawyers | 63 | 2.9% |
| Offices of Physicians (except Mental Health Specialists) | 59 | 2.7% |
| Other Miscellaneous Durable Goods Merchant Wholesalers | 56 | 2.5% |
| General Automotive Repair | 48 | 2.2% |
| Offices of Dentists | 44 | 2% |
| Other Miscellaneous Nondurable Goods Merchant Wholesalers | 43 | 1.9% |
| Full-Service Restaurants | 42 | 1.9% |
| Plumbing, Heating, and Air-Conditioning Contractors | 37 | 1.7% |
| All Other Professional, Scientific, and Technical Services | 36 | 1.6% |
| All Other Specialty Trade Contractors | 30 | 1.4% |
| Hotels (except Casino Hotels) and Motels | 24 | 1.1% |
How fast Business Finance Capital actually funds
Approval is not money in the bank. Across 2,089 loans where both dates are on record, the typical gap between SBA approval and first disbursement at Business Finance Capital is 117 days. Half its loans fund between 90 and 166 days. That is slow relative to the roughly 20 day typical SBA lender, which is normal for real estate backed deals that need appraisals, but worth planning around if your timeline is tight.
Lending momentum
Business Finance Capital is expanding its SBA program. Approvals are up 36% from FY2023 to FY2025, which usually means an active appetite and a team that wants deals.
Funded approvals by SBA fiscal year (October to September). FY2026 is excluded because it is still in progress.
Borrower profile
- only 2.6% of its funded SBA records with known business age went to startups, this lender works almost entirely with established businesses.
- Collateral was taken on 100% of its recent SBA loans.
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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. Funding speed is the median gap between approval date and first disbursement date in SBA records. Some lenders report disbursement at month end, which can round the figure upward. 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 Business Finance Capital.