Lender record

Beneficial State Bank

The real lending record — every figure from funded deals. HQ: 2100 Franklin St, Oakland, CA. 9 branches.

Recent deals (FY20+)

$629K

Typical deal

22 days

Approval → funding

Failure rate (FY20–23)

Where Beneficial State Bank lends

Deals Beneficial State Bank funded — list all 51 as text

Han JJ LLC — Portland · $1.8M · FY2025 · Full-Service Restaurants
Brand Optometry, A Prof. Corp. — San Diego · $1.5M · FY2025 · Offices of Optometrists
Servpro of Tacoma and Servpro of University Place & Lakewood West — Tacoma · $630K · FY2025 · All Other Personal Services
ESSENTIAL SERVICES LLC — Mcminnville · $629K · FY2025 · Services for the Elderly and Persons with Disabilities
Milepost Consulting, SPC — Olympia · $500K · FY2025 · Environmental Consulting Services
Bam-Hean LLC — Portland · $429K · FY2025 · Specialized Freight (except Used Goods) Trucking, Local
ESSENTIAL SERVICES LLC — Mcminnville · $327K · FY2025 · Services for the Elderly and Persons with Disabilities
NAVIS WA Logistics LLC — Kent · $301K · FY2025 · Specialized Freight (except Used Goods) Trucking, Local
Acres Property Management — Des Moines · $300K · FY2025 · Residential Property Managers
Linnton Farm Supply Inc — Scappoose · $105K · FY2025 · Nursery, Garden Center, and Farm Supply Retailers
Seattle Certified Pizza, LLC — Seattle · $4.9M · FY2024 · Full-Service Restaurants
Loyal Heights LLC — Seattle · $990K · FY2024 · Residential Remodelers
Balancing, Inc. — Hermosa Beach · $785K · FY2024 · Other Accounting Services
Shin Quan Quan LLC — Portland · $406K · FY2024 · Full-Service Restaurants
OREGON DESIGN SPECIALIST LLC — Portland · $162K · FY2024 · Piece Goods, Notions, and Other Dry Goods Merchant Wholesale
Nataly Vilderman DDS, Inc. — San Francisco · $151K · FY2024 · Offices of Dentists
Jiwon LLC — Vancouver · $2.1M · FY2023 · Lessors of Nonresidential Buildings (except Miniwarehouses)
Stacey Dunbar, LLC — Portland · $1.9M · FY2023 · Child Care Services
Bay Area Moisture Control by RestoreX Inc. — Novato · $730K · FY2023 · Site Preparation Contractors
Aspirations Inc. — Portland · $597K · FY2023 · Beauty Salons
Ruby's Valley Care Home — Fresno · $252K · FY2023 · Residential Mental Health and Substance Abuse Facilities
Hawthorne 6, LLC — Portland · $3.5M · FY2022 · Commercial Printing (except Screen and Books)
Jefferson Commercial Real Estate LLC — Jefferson · $2.2M · FY2022 · Lessors of Nonresidential Buildings (except Miniwarehouses)
The European Table — Berkeley · $1.3M · FY2022 · All Other Specialty Food Retailers
P&B Capital Holdings, LLC — Sacramento · $1.1M · FY2022 · Motor Vehicle Towing
Phoenix Hardt LLC — Portland · $740K · FY2022 · Lessors of Nonresidential Buildings (except Miniwarehouses)
A-1 Builders a Worker Owned Cooperative, Co. — Bellingham · $665K · FY2022 · New Single-Family Housing Construction (except For-Sale Buil
CYCLEPATH PDX INCORPORATED — Portland · $550K · FY2022 · Sporting Goods Retailers
ALAMEDA STRUCTURAL, INC. — Brentwood · $530K · FY2022 · Poured Concrete Foundation and Structure Contractors
Vincent Holdings LLC — Portland · $479K · FY2022 · Audio and Video Equipment Manufacturing
Daniel A. Hunt — Sacramento · $350K · FY2022 · Offices of Lawyers
Daniel A. Hunt — Folsom · $201K · FY2022 · Offices of Lawyers
Hobby Trains LLC — Portland · $166K · FY2022 · Hobby, Toy, and Game Retailers
Howl Properties LLC — Portland · $1.3M · FY2021 · Offices of Other Holding Companies
Tsaturayan Enterprises, LLC — San Rafael · $1.2M · FY2021 · Private Households
eggLab LLC — Portland · $1.2M · FY2021 · Lessors of Other Real Estate Property
ABC & LB Properties LLC — Portland · $1.0M · FY2021 · Lessors of Nonresidential Buildings (except Miniwarehouses)
7133 LLC — Portland · $807K · FY2021 · Lessors of Nonresidential Buildings (except Miniwarehouses)
Araby Buildings Gresham LLC — Portland · $722K · FY2021 · Lessors of Other Real Estate Property
ADVANCED WELLNESS CENTER LLC — Portland · $715K · FY2021 · Offices of Chiropractors
TrendHair, LLC — Everett · $600K · FY2021 · Lessors of Other Real Estate Property
Maniar Corporation — Windsor · $442K · FY2021 · Truck Trailer Manufacturing
COLUMBIA COMPONENTS INC. — Tualatin · $419K · FY2021 · Institutional Furniture Manufacturing
Majestic Kreations LLC — Gresham · $397K · FY2021 · Commercial Printing (except Screen and Books)
SP Family Investments LLC — Seattle · $2.8M · FY2020 · Caterers
Renovations Reimagined — Fremont · $1.1M · FY2020 · Other Building Finishing Contractors
Easy Wind LLC — Roslyn · $763K · FY2020 · Full-Service Restaurants
TV Highway Chiropractic, LLC — Hillsboro · $557K · FY2020 · Lessors of Other Real Estate Property
Holmes Equity LLC — Mercer Island · $321K · FY2020 · Florists
BEYOND HI-FI, LLC — Bellevue · $256K · FY2020 · All Other Specialty Trade Contractors
EasyBadges, LLC — Portland · $110K · FY2020 · All Other Miscellaneous Store Retailers (except Tobacco Stor

Deal profile

Most Beneficial State Bank deals land between $350K and $1.1M — that range covers half of everything they fund. Top industries and states:

Industries they fund most

1.Lessors of Nonresidential Buildings (except Miniwarehouses) (5)
2.Full-Service Restaurants (4)
3.Lessors of Other Real Estate Property (4)
4.Services for the Elderly and Persons with Disabilities (2)
5.Specialized Freight (except Used Goods) Trucking, Local (2)
6.Commercial Printing (except Screen and Books) (2)
7.Offices of Lawyers (2)
8.Offices of Optometrists (1)

Most active states

1.Oregon (25 deals)
2.California (13 deals)
3.Washington (13 deals)

Franchises they finance most

Navis Pack & Ship (Commercial Logistics Center )

2 deals

Servpro

1 deals

Can Beneficial State Bank fund you? The bank behind the loans

Total assets

$2.0B

▼ 0.5% vs prior quarter

Deposits on hand

$1.7B

▼ 0.7% vs prior quarter

Loans outstanding

$1.5B

▲ 1.9% vs prior quarter

Net income (latest qtr)

$-1.7M

•SBA is a sideline here — this year's production is a rounding error against the loan book. Your deal competes with everything else they'd rather fund; a specialist bank will usually move faster. That makes Beneficial State Bank more SBA-focused than 9% of the banks on our record.
•Deposits shrank last quarter — worth asking early how much new-loan appetite they have right now.
•Return on assets of -0.34% — well under the ~1% mark generally considered strong for a bank. How any of this translates to your rate is a question for the loan officer — pricing is set deal by deal.

FDIC call-report data, quarter ending 03/2026.

Walk into a Beneficial State Bank branch (9)

Beneficial State BankMain office2100 Franklin StOakland, CA 94612 · since 2007

Porterville Branch268 N Main StPorterville, CA 93257 · since 1925 · limited service

East Los Angeles Branch3626 E 1st StLos Angeles, CA 90063 · since 1971

Mlk Portland Branch2002 Ne Martin Luther King Jr BlvdPortland, OR 97212 · since 1995

Pearl Branch Office430 Nw 10th AvePortland, OR 97209 · since 2004

Rose City Branch5636 Ne Sandy BlvdPortland, OR 97213 · since 2006

Fresno Branch170 W Shaw AveFresno, CA 93704 · since 2006

Seattle Branch1501 E Madison StSeattle, WA 98122 · since 2009

Sacramento Branch980 9th StSacramento, CA 95814 · since 2020 · limited service

Branch data: FDIC BankFind.

Recent deals

Han JJ LLC in Portland, OR — $1.8M (2025) · Full-Service Restaurants
Program
Preferred Lenders Program
Rate at approval
6.75% fixed
Term
300 mo (25 yrs)
SBA guaranteed
$1.4M (75%)
Approval → funding
66 days
Approved
9/12/2025
First disbursed
11/17/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
17
Business age
Existing or more than 2 years old
Industry
Full-Service Restaurants
Your business? Claim this record · Request removal
Brand Optometry, A Prof. Corp. in San Diego, CA — $1.5M (2025) · purchase · Offices of Optometrists
Program
Preferred Lenders Program
Rate at approval
7.65% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$1.1M (75%)
Approval → funding
29 days
Approved
6/30/2025
First disbursed
7/29/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
18
Business age
Change of Ownership
Industry
Offices of Optometrists
If you were the buyer here
Est. deal size
$1.6M
Est. down payment (10%)
$161K
Est. cash at closing
$221K
Monthly payment
$17,337
Annual debt service
$208K
Cash flow needed (1.25×)
$260K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Your business? Claim this record · Request removal
Servpro of Tacoma and Servpro of University Place & Lakewood West in Tacoma, WA — $630K (2025) · All Other Personal Services
Program
Preferred Lenders Program
Rate at approval
6.8% fixed
Term
300 mo (25 yrs)
SBA guaranteed
$473K (75%)
Approval → funding
9 days
Approved
10/22/2024
First disbursed
10/31/2024
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Franchise
Servpro
Jobs supported
2
Business age
Existing or more than 2 years old
Industry
All Other Personal Services
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ESSENTIAL SERVICES LLC in Mcminnville, OR — $629K (2025) · Services for the Elderly and Persons with Disabilities
Program
Preferred Lenders Program
Rate at approval
7.05% fixed
Term
300 mo (25 yrs)
SBA guaranteed
$472K (75%)
Approved
3/13/2025
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
136
Business age
Existing or more than 2 years old
Industry
Services for the Elderly and Persons with Disabilities
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Milepost Consulting, SPC in Olympia, WA — $500K (2025) · Environmental Consulting Services
Program
7a General
Rate at approval
8.05% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$375K (75%)
Approval → funding
21 days
Approved
10/10/2024
First disbursed
10/31/2024
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
30
Business age
Existing or more than 2 years old
Industry
Environmental Consulting Services
Your business? Claim this record · Request removal
Bam-Hean LLC in Portland, OR — $429K (2025) · Specialized Freight (except Used Goods) Trucking, Local
Program
Preferred Lenders Program
Rate at approval
7.75% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$322K (75%)
Approval → funding
9 days
Approved
8/6/2025
First disbursed
8/15/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Franchise
Navis Pack & Ship (Commercial Logistics Center )
Jobs supported
7
Business age
Existing or more than 2 years old
Industry
Specialized Freight (except Used Goods) Trucking, Local
Your business? Claim this record · Request removal
ESSENTIAL SERVICES LLC in Mcminnville, OR — $327K (2025) · Services for the Elderly and Persons with Disabilities
Program
Preferred Lenders Program
Rate at approval
7.05% fixed
Term
300 mo (25 yrs)
SBA guaranteed
$245K (75%)
Approval → funding
5 days
Approved
8/7/2025
First disbursed
8/12/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
199
Business age
Existing or more than 2 years old
Industry
Services for the Elderly and Persons with Disabilities
Your business? Claim this record · Request removal
NAVIS WA Logistics LLC in Kent, WA — $301K (2025) · Specialized Freight (except Used Goods) Trucking, Local
Program
Preferred Lenders Program
Rate at approval
7.75% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$226K (75%)
Approval → funding
19 days
Approved
8/15/2025
First disbursed
9/3/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Franchise
Navis Pack & Ship (Commercial Logistics Center )
Jobs supported
6
Business age
Existing or more than 2 years old
Industry
Specialized Freight (except Used Goods) Trucking, Local
Your business? Claim this record · Request removal
Acres Property Management in Des Moines, WA — $300K (2025) · Residential Property Managers
Program
Preferred Lenders Program
Rate at approval
8.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$225K (75%)
Approval → funding
16 days
Approved
1/27/2025
First disbursed
2/12/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
5
Business age
Existing or more than 2 years old
Industry
Residential Property Managers
Your business? Claim this record · Request removal
Linnton Farm Supply Inc in Scappoose, OR — $105K (2025) · Nursery, Garden Center, and Farm Supply Retailers
Program
Preferred Lenders Program
Rate at approval
7.25% variable
Term
300 mo (25 yrs)
SBA guaranteed
$89K (85%)
Approval → funding
7 days
Approved
9/26/2025
First disbursed
10/3/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
7
Business age
Existing or more than 2 years old
Industry
Nursery, Garden Center, and Farm Supply Retailers
Your business? Claim this record · Request removal

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Businesses Beneficial State Bank financed

49 businesses on record. Each links to its full SBA record.

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CapBench analysis of public lending records, FY2020–present. Not affiliated with Beneficial State Bank.

Agent summary

This page summarizes Beneficial State Bank's public SBA 7(a) lending record — deal sizes, industries, geography, and FDIC profile — from CapBench SBA Intelligence. CapBench is not a lender and does not originate or approve loans.

51 SBA 7(a) loans on record
$629K typical deal
9 business-acquisition loans
HQ: 2100 Franklin St, Oakland, CA
9 FDIC branch locations
FDIC total assets $2.0B

Next steps

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Data freshness:: SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-06-24.
Sources:: Public SBA 7(a) loan records; FDIC institution data (BankFind); CapBench lender and franchise enrichment.
Canonical:: https://www.capbench.com/lenders/beneficial-state-bank
API:: https://www.capbench.com/api/public/lenders/beneficial-state-bank
Methodology:: Sources & methodology

Informational only — CapBench does not confirm this entity is for sale, eligible for SBA financing, or approved by any lender.
Figures come from public records and CapBench methodology; verify before relying on them.
Lender matches are informational and based on public lending activity — they do not guarantee lender interest or approval.

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