SBA lending by metro area
SBA lenders in El Centro, CA
Which lenders fund El Centro-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 El Centro area
Ranked by SBA volume funded to businesses located in the El Centro 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 | Frontwave Credit Union | 100 | $40.8M | $408K | 8.00% |
| 2 | CDC Small Business Finance Corp. | 29 | $22.9M | $789K | not reported |
| 3 | Enterprise Bank & Trust | 12 | $21.2M | $1.8M | not reported |
| 4 | U.S. Bank, National Association | 22 | $18.9M | $860K | 0.00% |
| 5 | Wells Fargo Bank National Association | 48 | $14.9M | $309K | 8.33% |
| 6 | Open Bank | 8 | $14.2M | $1.8M | not reported |
| 7 | AMPAC Tri-State CDC, Inc. | 8 | $9.9M | $1.2M | not reported |
| 8 | Celtic Bank Corporation | 5 | $9.8M | $2.0M | not reported |
| 9 | US Metro Bank | 5 | $9.1M | $1.8M | not reported |
| 10 | Bank of Hope | 8 | $9.0M | $1.1M | 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 El Centro compares
Median funded SBA loan and 504 share of loans, FY2010–2026.
| Median loan | 504 share | |
|---|---|---|
| El Centro area | $300K | 13.1% ▼ 3.6 pts |
| California | $300K | 16.6% |
| United States | $179K | 11.2% |
What gets funded in El Centro
| Industry | Loans | Total funded |
|---|---|---|
| Retail Trade | 74 | $62.9M |
| Accommodation and Food Services | 54 | $59.7M |
| Health Care and Social Assistance | 35 | $35.7M |
| Transportation and Warehousing | 54 | $19.4M |
| Construction | 28 | $13.8M |
| Real Estate | 14 | $13.6M |
| Professional and Technical Services | 21 | $12.5M |
| Other Services | 20 | $11.6M |
SBA lending in El Centro by year
Geography, precisely
"El Centro area" here means the El Centro, CA metropolitan statistical area as delineated by OMB (July 2023), which is exactly these counties: Imperial 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.