SBA lending by metro area
SBA lenders in Oxnard, CA
Which lenders fund Oxnard-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 Oxnard area
Ranked by SBA volume funded to businesses located in the Oxnard 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 | CDC Small Business Finance Corp. | 209 | $178.2M | $852K | 13.64% |
| 2 | California Statewide Certified Development Corporation | 168 | $147.2M | $876K | not reported |
| 3 | Wells Fargo Bank National Association | 298 | $99.8M | $335K | 4.36% |
| 4 | U.S. Bank, National Association | 278 | $99.3M | $357K | 1.44% |
| 5 | Live Oak Banking Company | 63 | $85.8M | $1.4M | 1.59% |
| 6 | Business Finance Capital | 77 | $79.4M | $1.0M | not reported |
| 7 | Mortgage Capital Development Corporation | 54 | $60.0M | $1.1M | not reported |
| 8 | Enterprise Bank & Trust | 46 | $50.0M | $1.1M | 2.17% |
| 9 | JPMorgan Chase Bank, National Association | 220 | $49.4M | $224K | 4.55% |
| 10 | Harvest Small Business Finance, LLC | 31 | $39.7M | $1.3M | 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 Oxnard compares
Median funded SBA loan and 504 share of loans, FY2010–2026.
| Median loan | 504 share | |
|---|---|---|
| Oxnard area | $300K | 20.5% ▲ 3.8 pts |
| California | $300K | 16.6% |
| United States | $179K | 11.2% |
What gets funded in Oxnard
| Industry | Loans | Total funded |
|---|---|---|
| Manufacturing | 278 | $254.6M |
| Retail Trade | 362 | $227.8M |
| Health Care and Social Assistance | 332 | $223.5M |
| Wholesale Trade | 218 | $191.2M |
| Accommodation and Food Services | 295 | $185.4M |
| Professional and Technical Services | 319 | $141.0M |
| Construction | 353 | $126.4M |
| Other Services | 234 | $122.3M |
SBA lending in Oxnard by year
Geography, precisely
"Oxnard area" here means the Oxnard-Thousand Oaks-Ventura, CA metropolitan statistical area as delineated by OMB (July 2023), which is exactly these counties: Ventura 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.