Centerstone SBA Lending, Inc.: SBA Lending Profile
Centerstone SBA Lending, Inc. is a non-bank SBA lending company (SBLC), headquartered in LOS ANGELES, CA. It is a national lender, with SBA loans on record in 41 states and territories. Everything below comes from federal SBA loan records, not from the lender's marketing. This is what it has actually funded.
Loan sizes Centerstone SBA Lending, Inc. actually approves
The median SBA approval at Centerstone SBA Lending, Inc. is $910,000. The middle 80% of its loans fall between $314,800 and $3,469,000. The smallest funded approval in the available source window is $115,000 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.
Industries it funds most
| Industry | Funded loans in source data | Share |
|---|---|---|
| Hotels (except Casino Hotels) and Motels | 80 | 22.9% |
| Full-Service Restaurants | 32 | 9.1% |
| Limited-Service Restaurants | 28 | 8% |
| Beer, Wine, and Liquor Retailers | 21 | 6% |
| Couriers and Express Delivery Services | 16 | 4.6% |
| Gasoline Stations with Convenience Stores | 13 | 3.7% |
| Supermarkets and Other Grocery (except Convenience) Stores | 8 | 2.3% |
| Child Day Care Services | 6 | 1.7% |
| Snack and Nonalcoholic Beverage Bars | 5 | 1.4% |
| Other Miscellaneous Durable Goods Merchant Wholesalers | 4 | 1.1% |
| Other Personal Care Services | 4 | 1.1% |
| Offices of Lawyers | 4 | 1.1% |
How fast Centerstone SBA Lending, Inc. actually funds
Approval is not money in the bank. Across 330 loans where both dates are on record, the typical gap between SBA approval and first disbursement at Centerstone SBA Lending, Inc. is 24 days. Half its loans fund between 13 and 50 days. The typical SBA lender takes about 20 days, so this is roughly in line with the market.
Lending momentum
Centerstone SBA Lending, Inc. is expanding its SBA program. Approvals are up 183.3% 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
- 16.3% of its funded SBA records with known business age went to startups or businesses under two years old.
- Collateral was taken on 98.9% 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. 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 Centerstone SBA Lending, Inc..