40,496 SBA loans worth $27.3B went to California businesses between October 2021 and June 2026, from 316 lenders. U.S. Bank made the most 7(a) loans, 4,098 or 12% of the state's total, and the ten most active lenders made 53%. The median 7(a) loan was $225,000, above the national median of $158,000. Retail was the most financed industry, at 13% of loans. Annual loan count rose 51% from fiscal 2023 to fiscal 2025.
| # | Lender | Loans | Approved | Median loan | To startups | Most common borrower |
|---|---|---|---|---|---|---|
| 1 | U.S. Bank Bank · Cincinnati, OH | 4,098 | $1.1B | $50,000 | 31% | Construction |
| 2 | Northeast Bank Bank · Portland, ME | 2,150 | $371.4M | $150,000 | 12% | Retail |
| 3 | Newtek Bank Bank · Miami, FL | 2,042 | $871.5M | $200,000 | 18% | Professional and technical services |
| 4 | Wells Fargo Bank Bank · Sioux Falls, SD | 1,728 | $607.2M | $20,000 | 83% | Retail |
| 5 | JPMorgan Chase Bank Bank · Columbus, OH | 1,564 | $454.0M | $200,000 | 8% | Construction |
| 6 | Huntington National Bank Bank · Columbus, OH | 1,459 | $472.1M | $258,000 | 53% | Restaurants and hotels |
| 7 | Readycap Lending Non-bank lender · Berkeley Heights, NJ | 1,451 | $539.4M | $113,600 | 14% | Professional and technical services |
| 8 | BayFirst National Bank Bank · St. Petersburg, FL | 1,358 | $223.8M | $150,000 | 2% | Professional and technical services |
| 9 | Lendistry SBLC Non-bank lender · Los Angeles, CA | 1,246 | $251.5M | $150,000 | 1% | Professional and technical services |
| 10 | Celtic Bank Bank · Salt Lake City, UT | 1,003 | $620.1M | $150,000 | 18% | Retail |
| 11 | Live Oak Banking Bank · Wilmington, NC | 993 | $1.3B | $550,000 | 18% | Health care and social assistance |
| 12 | Bank of America Bank · Charlotte, NC | 917 | $425.8M | $300,000 | 9% | Professional and technical services |
| 13 | CDC Small Business Finance Non-bank lender · San Diego, CA | 798 | $141.7M | $150,000 | 52% | Other services (repair, personal care) |
| 14 | Bank of Hope Bank · Los Angeles, CA | 704 | $409.6M | $250,000 | 24% | Restaurants and hotels |
| 15 | Harvest Small Business Finance Non-bank lender · Laguna Hills, CA | 582 | $693.4M | $938,750 | 17% | Restaurants and hotels |
| 16 | Zions Bank, A Division of Bank · Salt Lake City, UT | 453 | $179.7M | $150,000 | 27% | Construction |
| 17 | East West Bank Bank · Pasadena, CA | 428 | $331.6M | $382,250 | 9% | Retail |
| 18 | Columbia Bank Bank · Roseburg, OR | 401 | $180.9M | $50,000 | 16% | Construction |
| 19 | Newtek Small Business Finance Non-bank lender · Lake Success, NY | 385 | $269.6M | $315,000 | 23% | Restaurants and hotels |
| 20 | Commonwealth Business Bank Bank · Los Angeles, CA | 325 | $332.3M | $600,000 | 19% | Retail |
| 21 | City National Bank Bank · Los Angeles, CA | 305 | $372.4M | $927,000 | 21% | Manufacturing |
| 22 | First Bank of the Lake Bank · Osage Beach, MO | 303 | $208.3M | $250,000 | 55% | Construction |
| 23 | Open Bank Bank · Los Angeles, CA | 301 | $400.4M | $750,000 | 15% | Retail |
| 24 | BMO Bank Bank · Chicago, IL | 295 | $277.7M | $587,400 | 13% | Health care and social assistance |
| 25 | Fifth Third Bank Bank · Cincinnati, OH | 270 | $101.0M | $175,000 | 8% | Professional and technical services |
| # | Certified development company | Loans | SBA portion approved | Median |
|---|---|---|---|---|
| 1 | Mortgage Capital Development Oakland, CA | 1,507 | $2.2B | $1,025,000 |
| 2 | Business Finance Capital Los Angeles, CA | 1,348 | $1.8B | $943,500 |
| 3 | California Statewide Certified Development Davis, CA | 1,069 | $1.4B | $913,000 |
| 4 | CDC Small Business Finance San Diego, CA | 583 | $764.5M | $918,000 |
| 5 | Capital Access Group San Francisco, CA | 324 | $345.6M | $763,000 |
| 6 | Bay Area Employment Development Concord, CA | 317 | $381.2M | $822,000 |
| 7 | AMPAC Tri-State CDC Ontario, CA | 265 | $325.4M | $813,000 |
| 8 | Southland Economic Development Santa Ana, CA | 228 | $310.0M | $978,500 |
| 9 | Cen Cal Business Finance Group Fresno, CA | 204 | $197.9M | $539,500 |
| 10 | Advantage Certified Development Long Beach, CA | 193 | $312.0M | $1,171,000 |
| Industry | Loans | Share | Median loan | Most active lender |
|---|---|---|---|---|
| Retail | 5,319 | $350,000 | U.S. Bank | |
| Restaurants and hotels | 4,932 | $350,000 | U.S. Bank | |
| Professional and technical services | 4,759 | $238,000 | U.S. Bank | |
| Construction | 4,558 | $213,900 | U.S. Bank | |
| Health care and social assistance | 4,062 | $439,950 | U.S. Bank | |
| Other services (repair, personal care) | 3,695 | $252,700 | U.S. Bank | |
| Manufacturing | 2,543 | $368,000 | U.S. Bank | |
| Wholesale trade | 2,507 | $400,000 | U.S. Bank | |
| Transportation and warehousing | 1,769 | $200,000 | U.S. Bank | |
| Administrative and support services | 1,731 | $240,000 | U.S. Bank | |
| Arts, entertainment and recreation | 1,302 | $225,000 | Huntington National Bank | |
| Real estate and rental | 1,097 | $284,000 | U.S. Bank |
| City | Loans | Approved | Median loan | Most active lender |
|---|---|---|---|---|
| Los Angeles | 2,979 | $2.1B | $280,000 | Bank of Hope |
| San Diego | 1,617 | $851.8M | $220,000 | U.S. Bank |
| Sacramento | 862 | $546.2M | $306,400 | U.S. Bank |
| San Francisco | 809 | $535.1M | $350,000 | Mortgage Capital Development |
| San Jose | 762 | $532.1M | $347,050 | U.S. Bank |
| Riverside | 535 | $384.8M | $350,000 | U.S. Bank |
| Irvine | 486 | $352.9M | $300,000 | U.S. Bank |
| Long Beach | 469 | $285.1M | $300,000 | Northeast Bank |
| Fresno | 459 | $333.9M | $363,000 | FFB Bank |
| Bakersfield | 440 | $338.3M | $310,000 | Cen Cal Business Finance Group |
| Anaheim | 398 | $281.6M | $350,000 | U.S. Bank |
| Santa Ana | 343 | $262.5M | $339,000 | U.S. Bank |
| Roseville | 316 | $207.8M | $300,000 | U.S. Bank |
| Glendale | 307 | $188.5M | $300,000 | Lendistry SBLC |
| Oakland | 294 | $164.7M | $250,000 | U.S. Bank |
323 California cities and suburbs with at least 25 SBA loans since October 2021. Search any zip code at the top of the page.