SBA lending by metro area
SBA lenders in Merced, CA
Which lenders fund Merced-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 Merced area
Ranked by SBA volume funded to businesses located in the Merced 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 | Celtic Bank Corporation | 31 | $39.5M | $1.3M | 0.00% |
| 2 | Mortgage Capital Development Corporation | 19 | $32.1M | $1.7M | not reported |
| 3 | Wells Fargo Bank National Association | 45 | $13.4M | $298K | 4.44% |
| 4 | Open Bank | 7 | $12.6M | $1.8M | not reported |
| 5 | Enterprise Bank & Trust | 12 | $12.3M | $1.0M | not reported |
| 6 | Cen Cal Business Finance Group | 9 | $11.6M | $1.3M | not reported |
| 7 | UMB Bank, National Association | 19 | $11.6M | $611K | not reported |
| 8 | Columbia Bank | 12 | $10.1M | $842K | not reported |
| 9 | Newtek Small Business Finance, Inc. | 10 | $9.5M | $954K | not reported |
| 10 | West Coast Community Bank | 8 | $9.5M | $1.2M | 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 Merced compares
Median funded SBA loan and 504 share of loans, FY2010–2026.
| Median loan | 504 share | |
|---|---|---|
| Merced area | $301K | 15.5% ▼ 1.2 pts |
| California | $300K | 16.6% |
| United States | $179K | 11.2% |
What gets funded in Merced
| Industry | Loans | Total funded |
|---|---|---|
| Retail Trade | 104 | $107.9M |
| Accommodation and Food Services | 91 | $86.5M |
| Other Services | 44 | $43.3M |
| Health Care and Social Assistance | 54 | $39.6M |
| Real Estate | 13 | $12.5M |
| Wholesale Trade | 23 | $12.4M |
| Manufacturing | 17 | $7.2M |
| Administrative and Support | 24 | $6.1M |
SBA lending in Merced by year
Geography, precisely
"Merced area" here means the Merced, CA metropolitan statistical area as delineated by OMB (July 2023), which is exactly these counties: Merced 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.