SBA lending by metro area
SBA lenders in Eureka, CA
Which lenders fund Eureka-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 Eureka area
Ranked by SBA volume funded to businesses located in the Eureka micropolitan 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 | Redwood Capital Bank | 112 | $33.3M | $297K | 0.89% |
| 2 | Arcata Economic Development Corporation | 56 | $26.6M | $474K | not reported |
| 3 | Live Oak Banking Company | 10 | $9.6M | $958K | not reported |
| 4 | Columbia Bank | 28 | $6.9M | $246K | 0.00% |
| 5 | U.S. Bank, National Association | 40 | $5.1M | $128K | 5.00% |
| 6 | Celtic Bank Corporation | 5 | $4.9M | $989K | not reported |
| 7 | Wells Fargo Bank National Association | 23 | $3.5M | $154K | 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 Eureka compares
Median funded SBA loan and 504 share of loans, FY2010–2026.
| Median loan | 504 share | |
|---|---|---|
| Eureka area | $171K ▼ 43.0% | 16.5% |
| California | $300K | 16.6% |
| United States | $179K | 11.2% |
What gets funded in Eureka
| Industry | Loans | Total funded |
|---|---|---|
| Accommodation and Food Services | 74 | $63.7M |
| Retail Trade | 64 | $42.0M |
| Professional and Technical Services | 23 | $10.3M |
| Manufacturing | 18 | $9.0M |
| Construction | 43 | $7.6M |
| Agriculture, Forestry, Fishing | 10 | $6.4M |
| Health Care and Social Assistance | 18 | $5.3M |
| Real Estate | 12 | $5.1M |
SBA lending in Eureka by year
Geography, precisely
"Eureka area" here means the Eureka-Arcata, CA micropolitan statistical area as delineated by OMB (July 2023), which is exactly these counties: Humboldt 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.