SBA lender profile
Merchants Bank of California, National Association
Merchants Bank of California, National Association appears in the public SBA loan data with 28 funded 7(a) loans since FY2010, totaling $26.3M, an average of $941K per loan, and an estimated 605 jobs supported. Its SBA lending concentrates in California and the Wholesale Trade sector. Across its 7(a) loans, the charge-off rate is 0.0%. 75.0% of its 7(a) loans were processed under delegated PLP authority.
By Mario Bailey · Source: SBA FOIA 7(a) and 504 data, FY2010–2026 (as of 2026-03-31)
- Track record 76
- Scale 27
- Activity 0
- Consistency 37
A relative profile signal from the public SBA record, not a prediction of approval or a guarantee.
Is Merchants Bank of California, National Association the right lender for you?
Lenders fund what they know. Merchants Bank of California, National Association's SBA lending concentrates in California (28 loans) and Wholesale Trade (8 loans), at an average loan of $941K. If your business does not look like that, a different SBA lender is likely the better fit.
See which SBA lenders fund businesses like yours →Ranked on the funded-loan record, not on who pays. Free, and your details go only to the lenders we match you to.
Where Merchants Bank of California, National Association lends
Top states by funded SBA volume.
| State | Loans | Total volume |
|---|---|---|
| California | 28 | $26.3M |
What Merchants Bank of California, National Association funds
Top industries by funded SBA volume.
| Industry | Loans | Total volume |
|---|---|---|
| Wholesale Trade | 8 | $8.0M |
| Manufacturing | 5 | $5.7M |
| Retail Trade | 5 | $4.7M |
| Other Services | 4 | $3.2M |
| Transportation and Warehousing | 1 | $1.5M |
| Educational Services | 1 | $975K |
Merchants Bank of California, National Association SBA lending by year
Funded SBA volume by approval fiscal year (FY2010–2026).
| Fiscal year | Loans | Total volume |
|---|---|---|
| 2010 | 12 | $12.0M |
| 2011 | 11 | $11.1M |
| 2012 | 4 | $2.5M |
| 2013 | 1 | $700K |
Related SBA lenders
Other lenders active in California or in Wholesale Trade.
Comparing lenders? See how to choose an SBA lender by track record.
Merchants Bank of California, National Association: frequently asked questions
Does Merchants Bank of California, National Association offer SBA loans?
Yes. Merchants Bank of California, National Association appears in the public SBA data with 28 funded SBA 7(a) loans totaling $26.3M.
How many SBA loans has Merchants Bank of California, National Association made?
Merchants Bank of California, National Association is associated with 28 SBA 7(a) loans totaling $26.3M in the public SBA data (as of 2026-03-31).
What is Merchants Bank of California, National Association's SBA charge-off rate?
About 0.0% of Merchants Bank of California, National Association's 7(a) loans in the data have been charged off. A lower rate is generally a better sign, but it is not a lifetime default rate; see our methodology for how it is calculated.
Where does Merchants Bank of California, National Association do most of its SBA lending?
Merchants Bank of California, National Association's SBA lending in the data is most concentrated in California, and by industry in Wholesale Trade.
Is Merchants Bank of California, National Association an SBA Preferred Lender (PLP)?
The loan record shows Merchants Bank of California, National Association operating under PLP delegated authority: 21 of its 7(a) loans (75.0%) were processed through the Preferred Lenders Program. The SBA grants and renews PLP status and publishes no public roster, so this is the processing record, not a certification.
This page is the public view of your institution's SBA record: rank, trajectory, and market position, computed from the complete public 7(a)/504 dataset. The full competitive picture (your share against named competitors by state and industry, and the growing markets you're absent from) is available to your team.
Request your institution's benchmarking →Mario Bailey. (2026). Merchants Bank of California, National Association SBA lending profile. SBA Loan Index. https://sbaloanindex.com/lenders/merchants-bank-of-california-national-association/
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