CCFBank National Association: SBA business acquisition lending record
CCFBank National Association (home state WI) approved 67 SBA 7(a) loans to buy existing businesses since FY2018, totaling $73.1M. The median loan was $785,200. It ranks number 132 of 280 lenders by count and made 0.1% of all SBA acquisition loans nationally.
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What this tells a borrower
- Deal size it funds. Half of its acquisition loans fell between $381,800 and $1,359,000. If your deal sits well outside that band, this lender may be less practiced at it.
- Geographic reach. Wisconsin is the largest state (84% of loans). Loans appear in only 2 states, which points to a regional lender.
- Industry concentration. General Automotive Repair is 4% of its acquisition loans. The mix is spread across several industries.
- Overall 7(a) volume. 225 SBA 7(a) loans of any purpose since FY2020, totaling $169M. 78% of its acquisition loans were processed under the Preferred Lenders Program.
- Franchise share. 10% of its acquisition loans involved a franchise brand, against 18% for all lenders.
- Seasoned performance. Too few of its loans are old enough to measure a charge-off rate.
CCFBank National Association acquisition loans by year
| Fiscal year | Loans | Total approved | Median loan | |
|---|---|---|---|---|
| FY2018 | 2 | $892K | $445,750 | |
| FY2019 | 2 | $387K | $193,300 | |
| FY2020 | 4 | $3.1M | $778,750 | |
| FY2021 | 11 | $7.3M | $581,000 | |
| FY2022 | 9 | $7.9M | $788,400 | |
| FY2023 | 6 | $9.1M | $884,400 | |
| FY2024 | 11 | $16.8M | $1,399,500 | |
| FY2025 | 11 | $18.1M | $994,000 | |
| FY2026 | 11 | $9.5M | $743,000 |
How often do these acquisition loans fail?
Fewer than 20 CCFBank National Association acquisition loans are old enough to measure losses reliably, so no charge-off rate is shown. The benchmark across all SBA acquisition loans in the FY2018 to FY2021 cohort is 3.5% by count. Non-acquisition 7(a) loans (every other stated purpose) approved FY2018 to FY2021 charged off at 6.2%.
"Charged off" is the SBA's final loss action on a defaulted loan after collection efforts. It lags default by a year or more, which is why only older cohorts are measured. It is not the same as a delinquency rate, and loans still outstanding can still fail. See charge-off in the glossary.
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States served
Industries financed
| # | Industry | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | General Automotive Repair | 3 | 4.5% | $2.9M | |
| 2 | Plumbing, Heating, and Air-Conditioning Contractors | 3 | 4.5% | $2M | |
| 3 | Drinking Places (Alcoholic Beverages) | 3 | 4.5% | $882K | |
| 4 | All Other Specialty Trade Contractors | 2 | 3.0% | $5.9M | |
| 5 | Portfolio Management and Investment Advice | 2 | 3.0% | $5.4M | |
| 6 | Other Computer Related Services | 2 | 3.0% | $4.3M | |
| 7 | Automotive Body, Paint, and Interior Repair and Maintenance | 2 | 3.0% | $3.8M | |
| 8 | Child Care Services | 2 | 3.0% | $3.7M | |
| 9 | Electrical Contractors and Other Wiring Installation Contractors | 2 | 3.0% | $3M |
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Franchise brands financed
| # | Franchise | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | Ameriprise Financial | 3 | 4.5% | $2.5M | |
| 2 | Minuteman Press | 1 | 1.5% | $217K |
Questions buyers ask
Does CCFBank National Association make SBA acquisition loans?
Yes. CCFBank National Association approved 67 SBA 7(a) loans to buy existing businesses from FY2018 to FY2026, ranking number 132 of 280 lenders with 25 or more such loans. The SBA file shows past approvals only; it cannot tell you whether the lender will approve a particular buyer or deal.
How large are CCFBank National Association's acquisition loans?
The median was $785,200, with the middle half between $381,800 and $1,359,000. The national median is $645,250, so this lender's typical loan is 22% higher than the national figure.
Which states does CCFBank National Association lend in?
Wisconsin (56), Minnesota (11). Its loans appear in 2 states, so it is closer to a regional lender.
Which industries does CCFBank National Association finance?
General Automotive Repair (3), Plumbing, Heating, and Air-Conditioning Contractors (3), Drinking Places (Alcoholic Beverages) (3), All Other Specialty Trade Contractors (2), Portfolio Management and Investment Advice (2). The top industry is 4% of its acquisition loans.
How have CCFBank National Association's acquisition loans performed?
Fewer than 20 of this lender's loans are old enough to measure. The national benchmark is 3.5% for the FY2018 to FY2021 cohort.
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Related
- Wisconsin acquisitions
- Minnesota acquisitions
- General Automotive Repair
- Plumbing, Heating, and Air-Conditioning Contractors
- Drinking Places (Alcoholic Beverages)
- All lenders
Figures are aggregates of public SBA data. This page is not provided or endorsed by CCFBank National Association.