GBC International Bank: SBA business acquisition lending record
GBC International Bank (home state CA) approved 83 SBA 7(a) loans to buy existing businesses since FY2018, totaling $56.2M. The median loan was $447,000. It ranks number 113 of 280 lenders by count and made 0.2% 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 $320,000 and $742,500. If your deal sits well outside that band, this lender may be less practiced at it.
- Geographic reach. Washington is the largest state (72% of loans). Loans appear in only 2 states, which points to a regional lender.
- Industry concentration. Full-Service Restaurants is 47% of its acquisition loans. This is a specialist pattern.
- Overall 7(a) volume. 309 SBA 7(a) loans of any purpose since FY2020, totaling $329M. 100% of its acquisition loans were processed under the Preferred Lenders Program.
- Franchise share. 5% of its acquisition loans involved a franchise brand, against 18% for all lenders.
- Seasoned performance. Of its loans from FY2018 to FY2021: none charged off, against the 3.5% national average.
GBC International Bank acquisition loans by year
| Fiscal year | Loans | Total approved | Median loan | |
|---|---|---|---|---|
| FY2018 | 3 | $1.2M | $389,700 | |
| FY2019 | 15 | $9.7M | $504,000 | |
| FY2020 | 19 | $11.4M | $400,000 | |
| FY2021 | 5 | $3M | $447,000 | |
| FY2022 | 6 | $7.3M | $448,350 | |
| FY2023 | 11 | $8.7M | $565,000 | |
| FY2024 | 6 | $5.8M | $530,500 | |
| FY2025 | 12 | $6.1M | $364,750 | |
| FY2026 | 6 | $3M | $467,500 |
How often do these acquisition loans fail?
Of the 42 GBC International Bank acquisition loans approved from FY2018 to FY2021 (the seasoned cohort, every loan at least about five years old), none have been charged off by the SBA. 28 have already been paid in full.
For comparison, GBC International Bank has none charged off, against the 3.5% average across all SBA 7(a) acquisition loans in the same cohort. 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
| # | State | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | Washington | 60 | 72.3% | $29.9M | |
| 2 | California | 23 | 27.7% | $26.3M |
Industries financed
| # | Industry | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | Full-Service Restaurants | 39 | 47.0% | $24.8M | |
| 2 | Limited-Service Restaurants | 16 | 19.3% | $6.1M | |
| 3 | Convenience Retailers | 6 | 7.2% | $4.2M | |
| 4 | Supermarkets and Other Grocery Retailers (except Convenience Retailers) | 4 | 4.8% | $2.4M | |
| 5 | Gasoline Stations with Convenience Stores | 3 | 3.6% | $2.7M | |
| 6 | Hotels (except Casino Hotels) and Motels | 1 | 1.2% | $5M | |
| 7 | All Other Miscellaneous Schools and Instruction | 1 | 1.2% | $1.5M | |
| 8 | Wood Kitchen Cabinet and Countertop Manufacturing | 1 | 1.2% | $1.5M | |
| 9 | General Automotive Repair | 1 | 1.2% | $1.4M | |
| 10 | Assisted Living Facilities for the Elderly | 1 | 1.2% | $1.3M |
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Franchise brands financed
| # | Franchise | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | Cold Stone Creamery | 1 | 1.2% | $260K |
Questions buyers ask
Does GBC International Bank make SBA acquisition loans?
Yes. GBC International Bank approved 83 SBA 7(a) loans to buy existing businesses from FY2018 to FY2026, ranking number 113 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 GBC International Bank's acquisition loans?
The median was $447,000, with the middle half between $320,000 and $742,500. The national median is $645,250, so this lender's typical loan is 31% lower than the national figure.
Which states does GBC International Bank lend in?
Washington (60), California (23). Its loans appear in 2 states, so it is closer to a regional lender.
Which industries does GBC International Bank finance?
Full-Service Restaurants (39), Limited-Service Restaurants (16), Convenience Retailers (6), Supermarkets and Other Grocery Retailers (except Convenience Retailers) (4), Gasoline Stations with Convenience Stores (3). The top industry is 47% of its acquisition loans.
How have GBC International Bank's acquisition loans performed?
Of 42 loans approved FY2018 to FY2021: none charged off, against the 3.5% national acquisition average. Charge-offs reflect the borrowers and industries a lender serves as well as its underwriting.
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Related
- Washington acquisitions
- California acquisitions
- Full-Service Restaurants
- Limited-Service Restaurants
- Convenience Retailers
- All lenders
Figures are aggregates of public SBA data. This page is not provided or endorsed by GBC International Bank.