SBA lending by state
SBA Lending in Guam
In Guam, SBA lenders funded 521 7(a) and 504 loans since FY2010, totaling $89.5M, an average of $172K per loan. The most active lender is Bank of Guam, and the most-funded industry is Wholesale Trade.
By Mario Bailey · Source: SBA FOIA data, FY2010–2026 (as of 2026-03-31)
Top SBA lenders in Guam
Ranked by SBA loans funded in Guam since FY2010. Each lender's figures, including its 7(a) charge-off rate, cover its Guam loans only. Charge-off is reported on 7(a) loans, never on 504 loans, so a lender without a reliable 7(a) sample in Guam shows “not reported,” never 0%.
See the full Guam ranking : up to 25 lenders, with the 7(a) vs 504 leaders and industry context.
| # | 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.
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504 lenders (CDCs) in Guam
An SBA 504 project in Guam pairs two lenders: a bank or credit union funds roughly half the cost as a first mortgage, and a Certified Development Company (CDC) funds about 40% through an SBA-backed debenture, with the borrower putting down around 10%. Below are the CDCs most active on 504 loans in Guam, ranked by 504 loans funded in the state since FY2010. Figures are 504-only; charge-off is reported on 7(a) loans only and does not apply to CDCs.
| CDC | 504 loans | 504 volume |
|---|---|---|
| HEDCO Local Development Corporation | 27 | $20.2M |
All Certified Development Companies · Current 504 loan rates · How 504 loans work
Top industries funded in Guam
| Industry | Loans | Total volume |
|---|---|---|
| Wholesale Trade | 67 | $16.9M |
| Retail Trade | 112 | $15.6M |
| Construction | 85 | $13.5M |
| Health Care and Social Assistance | 38 | $9.2M |
| Professional and Technical Services | 38 | $6.2M |
| Accommodation and Food Services | 60 | $6.1M |
| Arts, Entertainment, Recreation | 19 | $5.6M |
| Other Services | 25 | $5.5M |
Top cities for SBA loans in Guam
Where SBA 7(a) and 504 borrowers in Guam are located, by funded volume.
| City | Loans | Total volume |
|---|---|---|
| Tamuning | 147 | $33.9M |
| Dededo | 77 | $15.0M |
| Barrigada | 53 | $12.3M |
| Hagatna | 68 | $6.9M |
| Tumon | 29 | $5.4M |
| Yigo | 30 | $3.4M |
| Tiyan | 3 | $2.1M |
| Mangilao | 20 | $2.0M |
SBA lending in Guam by year
Funded SBA volume by approval fiscal year (FY2010–2026).
| Fiscal year | Loans | Total volume |
|---|---|---|
| 2010 | 53 | $9.3M |
| 2011 | 60 | $14.6M |
| 2012 | 56 | $8.8M |
| 2013 | 68 | $10.3M |
| 2014 | 68 | $7.5M |
| 2015 | 57 | $6.7M |
| 2016 | 47 | $7.6M |
| 2017 | 26 | $3.9M |
| 2018 | 19 | $5.4M |
| 2019 | 18 | $1.7M |
| 2020 | 10 | $1.6M |
| 2021 | 5 | $1.3M |
| 2022 | 13 | $6.4M |
| 2024 | 11 | $1.5M |
| 2025 | 7 | $2.7M |
| 2026 | 3 | $300K |
SBA lending in Guam: frequently asked questions
How much SBA lending is there in Guam?
SBA lenders funded 521 7(a) and 504 loans totaling $89.5M in Guam in the public SBA data (as of 2026-03-31), an average of $172K per loan.
Who is the most active SBA lender in Guam?
Bank of Guam is the most active SBA lender in Guam in the public data, by loans funded.
What industries get the most SBA loans in Guam?
The most-funded industry for SBA loans in Guam is Wholesale Trade.
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