SBA loans in Guam: who lends, what gets bought, how it performs
Since FY2018, SBA lenders have approved 2 7(a) loans to buy an existing business in Guam, totaling $1.1M. The median loan was $560,500, 13% lower than the $645,250 national median for SBA-financed acquisitions.
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SBA lenders in Guam
The lenders that made the most SBA 7(a) acquisition loans in Guam, FY2018 to FY2026.
| # | Lender | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | Bank of Guam | 2 | 100.0% | $1.1M |
What this tells a buyer
- Deal size band. Half of Guam acquisition loans fell between $530,250 and $590,750. The nationwide band is $283,000 to $1,465,000.
- Share of national volume. Guam accounts for 0.0% of all SBA acquisition loans and ranks number 54 of 54 states and territories by count.
- Industry concentration. Offices of Dentists is the most financed business type here (2 loans, 100% of the state). The top three industries together are 100%.
- Lender concentration. Bank of Guam made 100% of the state's acquisition loans. A single lender carries a large part of the market, so it is worth knowing what it prefers to finance.
Guam acquisition loans by year
| Fiscal year | Loans | Total approved | Median loan | |
|---|---|---|---|---|
| FY2018 | 1 | $500K | $500,000 | |
| FY2019 | 0 | $0 | - | |
| FY2020 | 0 | $0 | - | |
| FY2021 | 1 | $621K | $621,000 | |
| FY2022 | 0 | $0 | - | |
| FY2023 | 0 | $0 | - | |
| FY2024 | 0 | $0 | - | |
| FY2025 | 0 | $0 | - | |
| FY2026 | 0 | $0 | - |
How often do these acquisition loans fail?
Fewer than 20 Guam 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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Top industries in Guam
| # | Industry | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | Offices of Dentists | 2 | 100.0% | $1.1M |
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Questions buyers ask
How much do buyers borrow to buy a business in Guam?
The median SBA 7(a) acquisition loan in Guam was $560,500 across 2 loans (FY2018 to FY2026), 13% lower than the $645,250 national median. The middle half of loans ran from $530,250 to $590,750. A loan is not the purchase price: it is net of the buyer's equity injection and usually includes some working capital.
Which banks make the most SBA acquisition loans in Guam?
Bank of Guam (2). Bank of Guam alone accounts for 100% of Guam acquisition loans. See each lender page for industries and states served.
What kinds of businesses are bought with SBA loans in Guam?
Offices of Dentists (2). The top three industries make up 100% of the state's acquisition loans.
How often do SBA acquisition loans fail in Guam?
Fewer than 20 Guam acquisition loans are old enough to measure reliably. The national benchmark is 3.5% charged off for the FY2018 to FY2021 cohort.
How does Guam compare with other states?
Guam ranks number 54 of 54 states and territories by acquisition loan count, with 0.0% of national volume (2 of 48,902 loans) and $1.1M approved. Browse the full state ranking.
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Submit Transaction DetailsAlex Lubyansky leads every engagement.
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Related
State is the project state recorded by the lender (where the acquired business operates), not the borrower's mailing state.