Best SBA lenders
Best SBA lenders in Guam
The most active SBA lenders in Guam, ranked from every 7(a) and 504 loan in the SBA's public record, FY2010-2026. Bank of Guam leads with 211 loans funded.
By Mario Bailey · Source: SBA FOIA 7(a) and 504 data, FY2010–2026, as of 2026-03-31
Top SBA lenders in Guam
The full Guam ranking, by SBA loans funded since FY2010. Every figure is in-state: each lender's loans, dollars, average loan size, and 7(a) charge-off rate cover its Guam lending only, not its national book. A charge-off rate appears only when a lender has at least 20 funded 7(a) loans in Guam; below that line, and on 504-only lending, it reads “not reported,” never 0%.
| # | Lender | Loans | Total funded | Average loan | 7(a) charge-off |
|---|---|---|---|---|---|
| 1 | Bank of Guam | 211 | $33.8M | $160K | 5.21% |
| 2 | Coast360 FCU | 112 | $14.6M | $130K | 0.89% |
| 3 | ANZ Guam Inc | 70 | $7.7M | $110K | 0.00% |
| 4 | Bank of Hawaii | 68 | $9.4M | $139K | 1.47% |
| 5 | HEDCO Local Development Corporation | 27 | $20.2M | $748K | not reported |
| 6 | First Hawaiian Bank | 24 | $2.8M | $116K | 8.33% |
SBA 7(a) and 504 loans, FY2010–2026, as of 2026-03-31, from the SBA's public record.
7(a) banks vs 504 lenders (CDCs) in Guam
The two SBA programs have different lenders. A 7(a) loan comes from one bank or credit union; a 504 project pairs a bank with a Certified Development Company (CDC), the nonprofit that funds the SBA-backed portion. The leaders in Guam by each program's loans funded since FY2010:
- 1. Bank of Guam 211 loans
- 2. Coast360 FCU 112 loans
- 3. ANZ Guam Inc 70 loans
- 4. Bank of Hawaii 68 loans
- 5. First Hawaiian Bank 24 loans
Counts are each program's funded loans in Guam. How the two programs differ: 504 vs 7(a), by the data.
Where SBA lending concentrates in Guam
The 3 industries with the most SBA loans in Guam since FY2010, and the most active lender in each. A lender that leads your industry locally can matter more than the overall #1.
| Industry | Loans | Total funded | Most active lender |
|---|---|---|---|
| Retail Trade | 112 | $15.6M | Bank of Guam (36 loans) |
| Construction | 85 | $13.5M | ANZ Guam Inc (28 loans) |
| Wholesale Trade | 67 | $16.9M | Bank of Guam (23 loans) |
Full industry, city, and yearly breakdowns: SBA lending in Guam.
How this ranking works
- “Most active” means loans funded. The ranking counts every SBA 7(a) and 504 loan funded to Guam businesses in the SBA's public FOIA record, FY2010–2026, as of 2026-03-31. No lender pays to appear or to rank, and activity is not a fit score: the right lender for you depends on your industry, loan size, and timeline.
- The 10-loan line. A lender enters the Guam table only with at least 10 loans funded in-state, so one-off activity never reads as a track record. Industry cells above are held to at least 30 loans.
- Charge-off is 7(a)-only and needs 20+ loans. The SBA reports charge-offs on 7(a) loans, never on 504 loans. We show an in-state rate only when a lender has at least 20 funded 7(a) loans in Guam; anything thinner reads “not reported,” never 0%. It is a charge-off share of funded loans to date, not a lifetime default rate.
- Name collisions are excluded, and counted. The SBA does not normalize lender names across mergers and rebrands, so one name can blend several unrelated institutions. Flagged names are never ranked on this page; each exclusion is disclosed under the table.
The exact calculations and limits: methodology.
Best SBA lenders in Guam: frequently asked questions
Who is the most active SBA lender in Guam?
Bank of Guam is the most active SBA lender in Guam in the public record, with 211 7(a) and 504 loans funded since FY2010 ($33.8M in Guam). The ranking counts loans funded, never who pays us.
Do these lenders only serve Guam?
No. The ranking measures activity in Guam: loans funded to Guam businesses in the SBA's record. Many of these lenders are national or multi-state institutions; the loans, dollars, and charge-off figures shown are their Guam lending only.
What's the difference between a 7(a) lender and a CDC?
A 7(a) lender is a bank or credit union that funds an SBA-guaranteed loan directly. A Certified Development Company (CDC) is a nonprofit that funds the SBA-backed portion of a 504 project alongside a bank. Charge-off is reported only on 7(a) loans, so a 504-only CDC shows "not reported," never 0%.
How many SBA lenders are active in Guam?
6 lenders have funded at least 10 SBA loans in Guam since FY2010 in the public record (as of 2026-03-31). The table above names the 6 most active of them; names that blend several same-named institutions are excluded from rankings.
Mario Bailey. (2026). Best SBA lenders in Guam. SBA Loan Index. https://sbaloanindex.com/best-sba-lenders/in/gu/
Free to cite and quote with attribution and a link. Members of the press can reach us via our press page.
Find your SBA lender in Guam
Get matched with the SBA lenders that actually fund businesses like yours, ranked on real loan data by state, industry, and size. Independent: your details go only to the lenders we match you to, never to data brokers.