Guam

US territory#53 of 61 by dollarsTop trade: Full-Service Restaurants

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Loans on record

1,059

since FY1991

Dollars approved

$153.2M

Average loan

$145K

Charge-off rate

2.5%

by dollars · 7.7% by count

Largest lenders in Guam

1Bank of Guam63 loans here since FY2016 · $204K average$12.8Mapproved 2Coast360 FCU59 loans here since FY2016 · $130K average$7.7Mapproved 3Bank of Hawaii11 loans here since FY2016 · $378K average$4.2Mapproved 4HEDCO Local Development Corporation9 loans here since FY2016 · $571K average$5.1Mapproved 5ANZ Guam Inc5 loans here since FY2016 · $148K average$740Kapproved 6Capital Bank, National Association1 loans here since FY2016 · $75K average$75Kapproved

Ranked by loans into this state since FY2016. A lender headquartered elsewhere still counts. The SBA market is national, and several of the largest lenders in most states are based nowhere near them.

Approvals by fiscal year

Hatched bar is FY2026, a partial year. The snapshot ends 30 June 2026.

6 loans in FY2025▼ 45% vs FY20242 lenders active in FY2025

What gets funded here

Full-Service Restaurants292.7% of all Plumbing, Heating, and Air-Conditioning Contractors262.5% of all Convenience Stores262.5% of all Electrical Contractors and Other Wiring Installation Contractors191.8% of all Gift, Novelty, and Souvenir Stores181.7% of all Offices of Dentists171.6% of all

Loan count by NAICS industry, whole record. Shares are of all 1,059 loans in Guam, which is why they are small: SBA lending in any state spreads across hundreds of trades, and no single one of them is close to dominant.

What borrowers here pay

Typical pricingPrime + 2.00

Median rate 10.25%Fixed 0%20 loans

Median initial rate on Guam 7(a) loans approved FY2024 onward, against a market median of Prime + 2.75. That is cheaper than the market typically prices. It is the rate at approval, not an offer, and says nothing about fees.

A state prices dear or cheap mostly because of what gets borrowed there, not where it is. Markets whose lending skews to small loans sit higher. How SBA pricing works →

Program mix

7(a) · 96% (1,019)504 · 4% (40)

Split by loan count.

Where inside the state

Guam98%

Share is of all this state’s loans, so the 1 counties shown need not sum to 100%. Together they hold 98% of them. County is recorded as a name only, so it is shown but not linked.

Loss rate in context

Guam2.5%

Every market4.6%

Other territories

Puerto Rico$2.8B U.S. Virgin Islands$130.4M Northern Mariana Islands$7.7M Trust Territory of the Pacific Islands$1.8M American Samoa$1.3M Marshall Islands$801K

Borrower?

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