SBA lending by metro area
SBA lenders in Chico, CA
Which lenders fund Chico-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 Chico area
Ranked by SBA volume funded to businesses located in the Chico 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 | Greater Sacramento Certified Development Corporation | 74 | $50.6M | $684K | not reported |
| 2 | Readycap Lending, LLC | 11 | $17.5M | $1.6M | not reported |
| 3 | Superior California Economic Development, Inc. | 31 | $16.3M | $525K | not reported |
| 4 | California Statewide Certified Development Corporation | 18 | $15.7M | $874K | not reported |
| 5 | CDC Small Business Finance Corp. | 14 | $13.7M | $979K | not reported |
| 6 | Tri Counties Bank | 42 | $12.6M | $301K | 2.38% |
| 7 | Mortgage Capital Development Corporation | 9 | $12.5M | $1.4M | not reported |
| 8 | Plumas Bank | 20 | $10.2M | $509K | 0.00% |
| 9 | U.S. Bank, National Association | 60 | $9.8M | $163K | 3.33% |
| 10 | Wells Fargo Bank National Association | 33 | $9.7M | $294K | 0.00% |
SBA 7(a) and 504 loans, FY2010–2026, as of 2026-03-31, from the SBA's public record.
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How Chico compares
Median funded SBA loan and 504 share of loans, FY2010–2026.
| Median loan | 504 share | |
|---|---|---|
| Chico area | $279K ▼ 7.1% | 28.5% ▲ 11.9 pts |
| California | $300K | 16.6% |
| United States | $179K | 11.2% |
What gets funded in Chico
| Industry | Loans | Total funded |
|---|---|---|
| Retail Trade | 101 | $68.6M |
| Health Care and Social Assistance | 67 | $51.5M |
| Accommodation and Food Services | 56 | $43.6M |
| Manufacturing | 50 | $39.4M |
| Other Services | 48 | $17.8M |
| Arts, Entertainment, Recreation | 17 | $15.1M |
| Professional and Technical Services | 38 | $14.5M |
| Construction | 49 | $12.1M |
SBA lending in Chico by year
Geography, precisely
"Chico area" here means the Chico, CA metropolitan statistical area as delineated by OMB (July 2023), which is exactly these counties: Butte 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.