SBA lending by metro area
SBA lenders in Bakersfield, CA
Which lenders fund Bakersfield-area businesses, how much, and how the market compares with California: SBA 7(a) and 504 loans, FY2010–2026.
By Mario Bailey · SBA FOIA data as of 2026-03-31
Top SBA lenders in the Bakersfield area
Ranked by SBA volume funded to businesses located in the Bakersfield metropolitan area, wherever the lender is headquartered. National SBA lenders that fund here are included.
| # | Lender | Loans | Total funded | Average loan | 7(a) charge-off |
|---|---|---|---|---|---|
| 1 | Cen Cal Business Finance Group | 321 | $212.0M | $660K | not reported |
| 2 | Commonwealth Business Bank | 100 | $68.5M | $685K | 0.00% |
| 3 | Celtic Bank Corporation | 57 | $55.4M | $971K | 7.02% |
| 4 | Enterprise Bank & Trust | 37 | $46.0M | $1.2M | 0.00% |
| 5 | Columbia Bank | 29 | $41.4M | $1.4M | 3.45% |
| 6 | Mission Bank | 43 | $39.4M | $917K | 0.00% |
| 7 | Open Bank | 25 | $39.2M | $1.6M | 0.00% |
| 8 | US Metro Bank | 19 | $34.4M | $1.8M | not reported |
| 9 | Wells Fargo Bank National Association | 186 | $33.1M | $178K | 9.68% |
| 10 | Mortgage Capital Development Corporation | 21 | $32.3M | $1.5M | not reported |
SBA 7(a) and 504 loans, FY2010–2026, as of 2026-03-31, from the SBA's public record.
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How Bakersfield compares
Median funded SBA loan and 504 share of loans, FY2010–2026.
| Median loan | 504 share | |
|---|---|---|
| Bakersfield area | $310K ▲ 3.3% | 22.8% ▲ 6.2 pts |
| California | $300K | 16.6% |
| United States | $179K | 11.2% |
What gets funded in Bakersfield
| Industry | Loans | Total funded |
|---|---|---|
| Accommodation and Food Services | 274 | $338.0M |
| Retail Trade | 368 | $306.6M |
| Health Care and Social Assistance | 192 | $129.0M |
| Other Services | 124 | $64.0M |
| Construction | 164 | $58.9M |
| Transportation and Warehousing | 220 | $57.1M |
| Professional and Technical Services | 133 | $50.3M |
| Wholesale Trade | 88 | $46.9M |
SBA lending in Bakersfield by year
Geography, precisely
"Bakersfield area" here means the Bakersfield-Delano, CA metropolitan statistical area as delineated by OMB (July 2023), which is exactly these counties: Kern County, CA. Loans are placed by the SBA's recorded project county, which can differ from a borrower's mailing address. Counts are SBA 7(a) and 504 funded loans, FY2010–2026, as of 2026-03-31. See the methodology.