Mission Valley Bank: SBA business acquisition lending record
Mission Valley Bank (home state CA) approved 80 SBA 7(a) loans to buy existing businesses since FY2018, totaling $147M. The median loan was $1,398,950. It ranks number 119 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 $606,525 and $2,704,750. If your deal sits well outside that band, this lender may be less practiced at it.
- Geographic reach. California is the largest state (48% of loans). Loans appear in at least 15 states, which points to a national lender.
- Industry concentration. Hotels (except Casino Hotels) and Motels is 21% of its acquisition loans. The mix is spread across several industries.
- Overall 7(a) volume. 293 SBA 7(a) loans of any purpose since FY2020, totaling $492M. 96% of its acquisition loans were processed under the Preferred Lenders Program.
- Franchise share. 51% 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.
Mission Valley Bank acquisition loans by year
| Fiscal year | Loans | Total approved | Median loan | |
|---|---|---|---|---|
| FY2018 | 0 | $0 | - | |
| FY2019 | 0 | $0 | - | |
| FY2020 | 2 | $5.1M | $2,566,500 | |
| FY2021 | 8 | $14.3M | $1,334,900 | |
| FY2022 | 17 | $42.1M | $2,485,200 | |
| FY2023 | 15 | $24.7M | $1,425,000 | |
| FY2024 | 12 | $18.3M | $1,031,000 | |
| FY2025 | 14 | $22.6M | $850,200 | |
| FY2026 | 12 | $19.6M | $1,616,500 |
How often do these acquisition loans fail?
Fewer than 20 Mission Valley Bank 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
| # | State | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | California | 38 | 47.5% | $75.5M | |
| 2 | Texas | 6 | 7.5% | $17.6M | |
| 3 | Ohio | 5 | 6.3% | $8M | |
| 4 | Georgia | 3 | 3.8% | $7.9M | |
| 5 | Washington | 3 | 3.8% | $6.4M | |
| 6 | Colorado | 2 | 2.5% | $4.1M | |
| 7 | Oregon | 2 | 2.5% | $2.9M | |
| 8 | Wyoming | 2 | 2.5% | $2.2M | |
| 9 | Wisconsin | 2 | 2.5% | $1.8M | |
| 10 | Florida | 2 | 2.5% | $1.3M | |
| 11 | Massachusetts | 2 | 2.5% | $1.2M | |
| 12 | Pennsylvania | 1 | 1.3% | $3.5M | |
| 13 | Missouri | 1 | 1.3% | $2.9M | |
| 14 | Illinois | 1 | 1.3% | $2.6M | |
| 15 | Louisiana | 1 | 1.3% | $2M |
Industries financed
| # | Industry | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | Hotels (except Casino Hotels) and Motels | 17 | 21.3% | $53M | |
| 2 | All Other Specialty Trade Contractors | 12 | 15.0% | $11.1M | |
| 3 | Gasoline Stations with Convenience Stores | 7 | 8.8% | $17.2M | |
| 4 | Window Treatment Retailers | 4 | 5.0% | $3M | |
| 5 | Full-Service Restaurants | 3 | 3.8% | $6.3M | |
| 6 | Assisted Living Facilities for the Elderly | 3 | 3.8% | $5.9M | |
| 7 | Limited-Service Restaurants | 3 | 3.8% | $3.5M | |
| 8 | Services for the Elderly and Persons with Disabilities | 2 | 2.5% | $6.7M | |
| 9 | Coin-Operated Laundries and Drycleaners | 2 | 2.5% | $2.1M | |
| 10 | Janitorial Services | 2 | 2.5% | $855K |
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Franchise brands financed
| # | Franchise | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | Budget Blinds | 15 | 18.8% | $13.9M | |
| 2 | Motel 6 | 4 | 5.0% | $17.5M | |
| 3 | Comfort Inn | 2 | 2.5% | $10M | |
| 4 | Best Western | 2 | 2.5% | $6.3M | |
| 5 | Super 8 | 2 | 2.5% | $6M | |
| 6 | Phillips 66 | 1 | 1.3% | $3.2M | |
| 7 | Baymont | 1 | 1.3% | $2M | |
| 8 | Rodeway Inn | 1 | 1.3% | $1.7M | |
| 9 | Good Neighbor Pharmacy | 1 | 1.3% | $1.4M | |
| 10 | Econo Lodge | 1 | 1.3% | $1.2M |
Questions buyers ask
Does Mission Valley Bank make SBA acquisition loans?
Yes. Mission Valley Bank approved 80 SBA 7(a) loans to buy existing businesses from FY2018 to FY2026, ranking number 119 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 Mission Valley Bank's acquisition loans?
The median was $1,398,950, with the middle half between $606,525 and $2,704,750. The national median is $645,250, so this lender's typical loan is 117% higher than the national figure.
Which states does Mission Valley Bank lend in?
California (38), Texas (6), Ohio (5), Georgia (3), Washington (3), Colorado (2). Its loans span at least 15 states.
Which industries does Mission Valley Bank finance?
Hotels (except Casino Hotels) and Motels (17), All Other Specialty Trade Contractors (12), Gasoline Stations with Convenience Stores (7), Window Treatment Retailers (4), Full-Service Restaurants (3). The top industry is 21% of its acquisition loans.
How have Mission Valley Bank'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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Submit Transaction DetailsAlex Lubyansky leads every engagement.
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Related
- California acquisitions
- Texas acquisitions
- Ohio acquisitions
- Hotels (except Casino Hotels) and Motels
- All Other Specialty Trade Contractors
- Gasoline Stations with Convenience Stores
- All lenders
Figures are aggregates of public SBA data. This page is not provided or endorsed by Mission Valley Bank.