KeyPoint CU
Headquartered in SAN JOSE, CA. Analysis based on 68 SBA 7(a) loans approved between FY2020 and 2025-12-31, totaling $60.5M.
Total 7(a) loans
68
Total approved
$60.5M
Average loan
$890K
States funded in
4
Charge-off rate
0.00%
FY2020–FY2023 cohort
Paid-in-full rate
35.85%
Average rate
6.71%
Average term
209 mo
Top 10 industries financed
| NAICS | Industry | Loans |
|---|---|---|
| 624410 | Child Day Care Services | 15 |
| 621210 | Offices of Dentists | 4 |
| 722511 | Full-Service Restaurants | 3 |
| 722513 | Limited-Service Restaurants | 3 |
| 238110 | Poured Concrete Foundation and Structure Contractors | 2 |
| 812310 | Coin-Operated Laundries and Drycleaners | 2 |
| 484121 | General Freight Trucking, Long Distance, Truckload | 2 |
| 812990 | All Other Personal Services | 2 |
| 112920 | Horse and Other Equine Production | 1 |
| 238210 | Electrical Contractors | 1 |
Top 10 states
| State | Loans |
|---|---|
| CA | 63 |
| VA | 2 |
| CO | 2 |
| NV | 1 |
Top franchise brands financed
5 franchise loans across 4 distinct brands.
| Franchise | Loans |
|---|---|
| Building Kidz School | 2 |
| Wingstop | 1 |
| Paris Baguette | 1 |
| Midas | 1 |
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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.