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Geography · SBA lending record

SBA lenders in California

27,163 SBA 7(a) loans in the last five years, from 284 different lenders. Here is who actually lends here.

Loans, last 5 years
27,163
Lent
$15.79B
last 5 fiscal years
Active lenders
284
wrote at least one loan
Typical loan
$250k
median approved
5.7%
nationally 5.7%

Who lends here most

last 5 fiscal years
Lender Loans in CATypical loan Median rate
U.S. Bank, National Association3,318$50kP+2.78
Wells Fargo Bank National Association1,417$20kP+5.31
JPMorgan Chase Bank, National Association1,303$200kP+3.57
BayFirst National Bank1,242$150kP+4.12
Readycap Lending, LLC1,189$120kP+4.33
Lendistry SBLC, LLC1,171$150kP+4.43
The Huntington National Bank1,124$314kP+2.55
Newtek Bank, National Association1,035$200kP+3.53
Northeast Bank974$121kP+2.96
Celtic Bank Corporation895$150kP+2.77

Volume is not quality — but a lender who does hundreds of deals in your state knows your market, and probably your industry too.

What gets funded here

by industry
Full-Service Restaurants
5%
Limited-Service Restaurants
3%
Plumbing, Heating, and Air-Conditioning Contractors
2%
Fitness and Recreational Sports Centers
2%
Residential Remodelers
2%
General Automotive Repair
2%
Everything else
85%

How big the loans are

Under $150k
43%
$150k – $350k
20%
$350k – $750k
16%
$750k – $2M
14%
Over $2M
7%

If your need sits in a band that barely exists here, widen your search to national lenders rather than assuming nobody will do it.

SBA 504 lending in California

504 FOIA record

A 504 loan pairs a bank first mortgage with a fixed-rate second through a Certified Development Company — used mostly for owner-occupied property and heavy equipment. Here is who runs 504 deals in California, and how they have performed.

504 loans since 2010
22,594
$23.3B in SBA seconds
Median project
$1.6M
bank first + 504 second
Default rate
4.0%
all 504 5.0%

CDCs most active in California

Most-financed here: Offices of Physicians, Offices of Lawyers, All Other Specialty Trade Contractors, Other Miscellaneous Durable Goods Merc….

Match with a CDC for your project → How 504 works →

Next

Compare all lenders → Check your eligibility → Find your industry →

Source SBA 7(a) FOIA Released 2026-06-30 Basis where the project is, not where the bank is

SBA lending in other states

States with comparable volume, plus the three largest markets.