SBA 7(a) loans in California
Source: U.S. Small Business Administration, 7(a) & 504 FOIA loan data [source] · File as of September 30, 2026 · Loans approved in federal fiscal years 2024–2026 (Oct 2023 – Sept 2026) · Imported November 4, 2026
20,988loans approved
$203,850median loan
$70K–$500Kmiddle half of loans
$11.3Btotal approved
10%median initial rate
10 yrsmedian term
The median California loan is 16% larger than the national median of $175,000.
Loan sizes
Top industries
| Industry (NAICS) | Loans | Median |
|---|---|---|
| Full-Service Restaurants (722511) | 1,081 | $300,000 |
| Limited-Service Restaurants (722513) | 715 | $323,000 |
| Fitness and Recreational Sports Centers (713940) | 427 | $235,800 |
| Plumbing, Heating, and Air-Conditioning Contractors (238220) | 407 | $150,000 |
| Residential Remodelers (236118) | 404 | $100,000 |
| Beer, Wine, and Liquor Retailers (445320) | 352 | $490,000 |
| General Automotive Repair (811111) | 336 | $201,350 |
| Snack and Nonalcoholic Beverage Bars (722515) | 330 | $291,000 |
| Offices of Dentists (621210) | 322 | $467,450 |
| Electrical Contractors and Other Wiring Installation Contractors (238210) | 298 | $150,000 |
Most active lenders in California
| Lender | Loans | Median | Total |
|---|---|---|---|
| U.S. Bank, National Association | 2,683 | $50,000 | $754.6M |
| Newtek Bank, National Association | 1,221 | $175,000 | $431.8M |
| Lendistry Sblc, LLC | 1,211 | $150,000 | $232.7M |
| JPMorgan Chase Bank, National Association | 1,090 | $200,000 | $337.0M |
| Northeast Bank | 1,071 | $148,700 | $176.7M |
| Readycap Lending, LLC | 1,023 | $50,000 | $318.4M |
| The Huntington National Bank | 871 | $281,000 | $310.1M |
| Wells Fargo Bank National Association | 849 | $25,000 | $344.1M |
| Live Oak Banking Company | 759 | $500,000 | $855.4M |
| Bayfirst National Bank | 691 | $150,000 | $101.0M |
SBA 504 loans in California
504 loans finance real estate and major equipment through a Certified Development Company (CDC). Approved FY2024–FY2026, file as of September 30, 2026 [source].
3,795504 loans approved
$913,000median CDC portion
$5.0Btotal CDC portion
What these 504 amounts cover: only the SBA-backed CDC portion of each project (typically up to 40%). A bank first loan and the borrower's down payment make up the rest, so total project costs are larger.
Most active CDCs in California
| Lender | Loans | Median | Total |
|---|---|---|---|
| The Mortgage Capital Development Corporation | 916 | $1,043,000 | $1.4B |
| Business Finance Capital | 892 | $964,000 | $1.2B |
| California Statewide Certified Development Corporation | 670 | $916,000 | $867.1M |
| Capital Access Group, INC. | 190 | $763,000 | $194.8M |
| Ampac Tri-State CDC, INC. | 171 | $732,000 | $204.5M |
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What this data does — and doesn't — tell you
- Approvals, not applications. These are loans SBA approved. The data has no denials, so it cannot tell you your odds of approval.
- Loan size is not startup cost. 7(a) loans also pay for buying existing businesses, real estate, equipment, refinancing and working capital.
- Gross approval amount. Figures are the full approved loan, including the part SBA does not guarantee. Some approved loans are later reduced or never fully disbursed.
- Industry codes are assigned at approval (NAICS) and can be imprecise — a mobile detailer may be coded as a car wash, for example.
- Medians beat averages here: a few very large loans pull averages up. We show the median and the middle half (25th–75th percentile).
- No default rates. Most recent loans are still being repaid, so charge-off rates for these years would be misleading. We don't show them.
- Cancelled loans are excluded, and any group with fewer than 10 loans is hidden. We never publish borrower names.
- Lender counts aren't a quality rating. Big national lenders make many small loans; local lenders may know your market better. Talk to several, or use SBA Lender Match.