Exchange Bank
Headquartered in SANTA ROSA, CA. Analysis based on 99 SBA 7(a) loans approved between FY2020 and 2025-12-31, totaling $70.5M.
Total 7(a) loans
99
Total approved
$70.5M
Average loan
$712K
States funded in
4
Charge-off rate
0.00%
FY2020–FY2023 cohort
Paid-in-full rate
27.16%
Average rate
7.29%
Average term
158 mo
Top 10 industries financed
| NAICS | Industry | Loans |
|---|---|---|
| 722511 | Full-Service Restaurants | 17 |
| 722513 | Limited-Service Restaurants | 7 |
| 541380 | Testing Laboratories | 6 |
| 238990 | All Other Specialty Trade Contractors | 5 |
| 445310 | Beer, Wine, and Liquor Stores | 3 |
| 445292 | Confectionery and Nut Stores | 3 |
| 621610 | Home Health Care Services | 3 |
| 484110 | General Freight Trucking, Local | 3 |
| 445120 | Convenience Stores | 2 |
| 238150 | Glass and Glazing Contractors | 2 |
Top 10 states
| State | Loans |
|---|---|
| CA | 84 |
| NE | 10 |
| GA | 4 |
| TX | 1 |
Top franchise brands financed
11 franchise loans across 9 distinct brands.
| Franchise | Loans |
|---|---|
| Big O Tires | 2 |
| Ramos Oil Co. (Shell) Motor Fu | 2 |
| Togo's and TOGO'S | 1 |
| Surcheros Fresh Grill | 1 |
| HomeSmart International | 1 |
| Tay Ho Oakland - License and R | 1 |
| Anytime Fitness | 1 |
| Farley's Coffee SFO - License | 1 |
| Round Table Pizza | 1 |
Get matched with SBA lenders — free
Tell us a bit about your funding need and we'll connect you to SBA-preferred lenders active in your industry and state. No obligation.
We never sell your data. You'll be connected only to lenders matching your criteria.
Data source & methodology
All figures computed from the SBA Office of Capital Access FOIA dataset (7(a) loans, FY2020–present, as of 2025-12-31). Charge-off and paid-in-full rates are calculated on the FY2020–FY2023 cohort only, so loans have had time to mature. Charge-off rank covers lenders with ≥500 mature loans.