# AMPAC Tri-State CDC SBA loans

**Short answer:** AMPAC Tri-State CDC made 196 SBA loans from October 2023 to June 2026. 91.3% of them went to businesses in California, per SBA's loan file.

Canonical page: https://www.sbaexpress.loans/sba-express-lenders/ampac-tri-state-cdc/
Data as of: 2026-06-30

This site is not AMPAC Tri-State CDC

sbaexpress.loans is not AMPAC Tri-State CDC, and AMPAC Tri-State CDC did not provide, review or pay for this page. Janover Capital LLC runs this site. The loan figures here come from SBA's public 7(a) loan file, not from AMPAC Tri-State CDC.

## Loan sizes

$50,000: 25th percentile

$150,000: Median loan

$258,875: 75th percentile

10 years: Median term

The median loan AMPAC Tri-State CDC approved from October 2023 to June 2026 was $150,000. A quarter of its loans were smaller than $50,000 and a quarter were larger than $258,875. For all lenders the median was $150,300. Its median loan is close to the all-lender median. The average loan was $166,557.

Share of loans by size, October 2023 to June 2026

- $50,000 or less: 34.7%
- $50,001 to $150,000: 20.4%
- $150,001 to $350,000: 44.9%
- $350,001 to $500,000: 0.0%
- $500,001 to $1,000,000: 0.0%
- $1,000,001 to $2,000,000: 0.0%
- Over $2,000,000: 0.0%

Shares are of all 196 loans. Fewer than 5 marks a band whose count we do not publish.

## Age of the businesses it lends to

The largest group was businesses in operation more than 2 years, at 76.0% of this lender's loans, against 57.5% for all lenders.

Share of loans by age of the business, October 2023 to June 2026

- In business more than 2 years: 76.0%
- In business 2 years or less: 10.7%
- Startup (the loan opens the business): 12.8%
- Change of ownership: Fewer than 5

Fewer than 5 marks a group whose count we do not publish.

## SBA Express and lines of credit

None of this lender's loans went through SBA Express, and none were lines of credit. For all lenders the shares were 35.8% and 28.1%.

**SBA Express and line-of-credit share, October 2023 to June 2026**

| Share of loans | AMPAC Tri-State CDC | All lenders |
| --- | --- | --- |
| Through SBA Express | 0.0% | 35.8% |
| Lines of credit | 0.0% | 28.1% |

A line of credit lets a business draw money, repay it and draw again. SBA's file flags these loans as revolving.

What SBA Express means

An SBA Express loan can be up to $500,000. On these loans, the lender makes the credit decision without prior SBA review.

Source: SOP 50 10 8.1, Sec. B, Ch. 2, Para. B.1 (p. 126); SOP 50 10 8.1, Sec. B, Ch. 2, Para. C.2 (Para. C begins p. 127).

## Where it lends

The most loans went to businesses in California: 179 of 196, or 91.3%. It made 5 or more loans in each of 3 states. State is where the business is, not where the lender is based.

**Top states, October 2023 to June 2026**

| State | Loans | Share of its loans |
| --- | --- | --- |
| California | 179 | 91.3% |
| Arizona | 11 | 5.6% |
| Nevada | 6 | 3.1% |

## What it lends to

All Other Personal Services had the most loans: 9 of 196. The table lists industries with 5 or more loans, at most five.

**Top industries, October 2023 to June 2026**

| Industry | Loans | Share of its loans |
| --- | --- | --- |
| [All Other Personal Services](https://www.sbaexpress.loans/industries/all-other-personal-services/) | 9 | 4.6% |
| [Full-Service Restaurants](https://www.sbaexpress.loans/industries/full-service-restaurants/) | 9 | 4.6% |
| [Beauty Salons](https://www.sbaexpress.loans/industries/beauty-salons/) | 5 | 2.6% |
| [Clothing and Clothing Accessories Retailers](https://www.sbaexpress.loans/industries/clothing-clothing-accessories-retailers/) | 5 | 2.6% |

Industry is the NAICS code recorded on each loan.

## About the lender

- **Type:** Non-bank lender
- **Location:** Ontario, CA (address printed on its SBA loans, which can be a loan center rather than headquarters)
- **Legal name on SBA's file:** AMPAC Tri-State CDC, Inc.
- **Official website:** not on file. Non-bank lenders are not in the FDIC or NCUA directories.

This page describes loans SBA approved. It does not show denied applications, today's rates, fees or credit standards. It is not an offer from AMPAC Tri-State CDC. To ask AMPAC Tri-State CDC about a loan, contact it directly.

## Starting rates and spread over Prime

The median starting rate on this lender's loans approved from October 2023 to June 2026 was 12.50%. The median spread was 4.5 percentage points over Prime. For all lenders the medians were 10.25% and 2.75 percentage points over Prime.

Both its median starting rate and its median spread were higher than the all-lender medians.

The starting rate follows Prime on the day a loan was approved. The spread over Prime is the steadier way to compare lenders and years. Spread is measured on variable-rate loans only.

SBA's ceiling on variable rates

For variable-rate loans, SBA caps the rate at Prime plus 3.0 to 6.5 percentage points, depending on loan size. Today's ceilings by loan size are on the [rates page](https://www.sbaexpress.loans/rates/).

Source: 13 CFR § 120.214(d).

## Loans by year

From FY2024 to FY2025, the number of loans rose 282% (28 to 107). Across all lenders it rose 2.4%.

SBA loans approved by fiscal year

- FY2020: 0
- FY2021: 0
- FY2022: 8
- FY2023: 20
- FY2024: 28
- FY2025: 107
- FY2026 (through June 30): 61

SBA's fiscal year runs October 1 to September 30. FY2026 covers October 1, 2025 to June 30, 2026 only. Fewer than 5 marks a year whose count we do not publish.

## Charge-offs

8: Loans approved FY2020 to FY2022

Fewer than 5: Charged off

3.6%: All lenders, by loans

AMPAC Tri-State CDC approved 8 loans from October 2019 to September 2022. By June 30, 2026, fewer than 5 had been charged off. We show no rate, because a rate beside a group of known size would give the count away. For all lenders, 3.6% of loans had been charged off.

How charge-offs are counted

We count only loans approved October 1, 2019 to September 30, 2022 (FY2020 to FY2022). Newer loans have not had time to go bad. A charge-off means the lender wrote the loan off as a loss. The rate by loans is charged-off loans divided by approved loans. The rate by dollars is the charged-off balance divided by approved dollars. Both run through June 30, 2026.

The two rates can differ widely for a lender that writes many small loans. A small loan adds one to the count but little to the dollars.

SBA's file covers approved loans only. This says nothing about how often applications are approved.

## Lenders with a similar number of loans

These five lenders are the nearest to AMPAC Tri-State CDC by number of SBA loans. Their pages show the same figures, so you can compare loan sizes and loan types. It ranks 99th of 807 lenders by loans approved from October 2023 to June 2026.

**Lenders closest to AMPAC Tri-State CDC by loans, October 2023 to June 2026**

| Lender | Loans | Median loan | Express | Lines of credit | Charge-offs |
| --- | --- | --- | --- | --- | --- |
| [Idaho Central Credit Union](https://www.sbaexpress.loans/sba-express-lenders/idaho-central-credit-union/) | 200 | $250,000 | 27.0% | 22.0% | Fewer than 5 |
| [WaFd Bank](https://www.sbaexpress.loans/sba-express-lenders/wafd-bank/) | 200 | $30,000 | 96.5% | 89.0% | n/a |
| [Centerstone SBA Lending](https://www.sbaexpress.loans/sba-express-lenders/centerstone-sba-lending/) | 199 | $870,000 | 0.0% | 0.0% | Fewer than 5 |
| **AMPAC Tri-State CDC** | 196 | $150,000 | 0.0% | 0.0% | Fewer than 5 |
| [Glacier Bank](https://www.sbaexpress.loans/sba-express-lenders/glacier-bank/) | 192 | $208,000 | 33.9% | 37.0% | Fewer than 5 |
| [Platinum Bank](https://www.sbaexpress.loans/sba-express-lenders/platinum-bank/) | 192 | $498,500 | 25.5% | 27.6% | Fewer than 5 |

Express and lines of credit are shares of loans. Charge-offs are the share of loans approved October 2019 to September 2022 that had been charged off by June 30, 2026. Fewer than 5 marks a share that would stand for 1 to 4 loans, which we do not publish.

How to read this

Counts come from SBA's 7(a) loan-level data release, as of June 30, 2026. The file lists loans SBA approved. It does not list declined applications, so it cannot show approval odds. We do not publish any figure built on fewer than 5 loans. A lender's past loans do not describe its current credit policy. Recent loans were approved October 1, 2023 to June 30, 2026. The full file starts October 1, 2019. SBA's fiscal year runs October 1 to September 30. Express counts SBA Express and Export Express loans. Spread over Prime is measured on variable-rate loans. [How we build these pages](https://www.sbaexpress.loans/method/).

## Sources

- [SBA 7(a) and 504 FOIA loan-level data, as of June 30, 2026](https://data.sba.gov/dataset/7a-504-foia)
- [13 CFR § 120.214(d)](https://www.ecfr.gov/current/title-13/section-120.214)
- [SOP 50 10 8.1, Sec. B, Ch. 2, Para. B.1 (p. 126)](https://legacy.sba.gov/sites/default/files/2026-10/SOP%2050%2010%208.1%20Technical%20Policy%20Updates%20effective%20%2010.1.2026.docx)
- [SOP 50 10 8.1, Sec. B, Ch. 2, Para. C.2 (Para. C begins p. 127)](https://legacy.sba.gov/sites/default/files/2026-10/SOP%2050%2010%208.1%20Technical%20Policy%20Updates%20effective%20%2010.1.2026.docx)