Lender intelligence

Which banks' SBA loans fail the most?

Every lender with 100+ FY2020–23 SBA loans, ranked by how many were charged off. Read it with care: a high rate can mean loose underwriting, but it can also mean a mission lender deliberately taking harder deals others won't touch. A low rate with real volume usually means disciplined underwriting — and a tougher approval.

Highest failure rates

Lowest failure rates (same 100-loan floor)

What this means for a buyer: the bank you pick shapes your odds. Disciplined lenders push back on weak deals before closing — annoying in the moment, and exactly what you want. Related: franchises that fail the most · failure rates by state.

CapBench analysis of public SBA lending records. Failure = charge-off on the FY2020–23 cohort. 100-loan floor. Rates reflect each lender's borrower mix, not loan servicing quality alone.

AI summary

This page ranks SBA lenders by charge-off rate — the share of their loans that failed — using 374,000 public records and a 100-loan floor on the FY2020–23 cohort, showing both the highest and lowest failure rates with each lender's failed and total cohort loan counts. Rates reflect a lender's borrower mix as much as its underwriting: a high rate can signal loose underwriting or a mission lender deliberately taking harder deals, while a low rate with real volume usually means disciplined underwriting and a tougher approval.

It's built for buyers and borrowers choosing a lender whose track record fits their risk and approval odds. This is general information, not legal, tax, or financial advice, and CapBench is not a lender.

Source: CapBench SBA Intelligence, based on public SBA, lender, franchise, FDIC, and related records. CapBench is not a lender and does not guarantee financing.

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