SBA lending by metro area
SBA lenders in Sacramento, CA
Which lenders fund Sacramento-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 Sacramento area
Ranked by SBA volume funded to businesses located in the Sacramento 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 | Mortgage Capital Development Corporation | 446 | $487.6M | $1.1M | not reported |
| 2 | Wells Fargo Bank National Association | 847 | $321.4M | $379K | 3.66% |
| 3 | U.S. Bank, National Association | 1,046 | $220.5M | $211K | 3.44% |
| 4 | Live Oak Banking Company | 162 | $199.5M | $1.2M | 1.23% |
| 5 | Enterprise Bank & Trust | 243 | $197.0M | $811K | 0.00% |
| 6 | CDC Small Business Finance Corp. | 272 | $175.7M | $646K | 11.83% |
| 7 | Plumas Bank | 237 | $166.7M | $703K | 1.69% |
| 8 | Celtic Bank Corporation | 164 | $153.5M | $936K | 3.66% |
| 9 | California Statewide Certified Development Corporation | 244 | $151.5M | $621K | 6.06% |
| 10 | Greater Sacramento Certified Development Corporation | 205 | $135.7M | $662K | 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 Sacramento compares
Median funded SBA loan and 504 share of loans, FY2010–2026.
| Median loan | 504 share | |
|---|---|---|
| Sacramento area | $260K ▼ 13.3% | 16.2% |
| California | $300K | 16.6% |
| United States | $179K | 11.2% |
What gets funded in Sacramento
| Industry | Loans | Total funded |
|---|---|---|
| Accommodation and Food Services | 1,057 | $836.7M |
| Retail Trade | 1,149 | $823.0M |
| Health Care and Social Assistance | 933 | $617.6M |
| Professional and Technical Services | 961 | $390.8M |
| Other Services | 843 | $380.8M |
| Construction | 960 | $345.1M |
| Manufacturing | 451 | $286.5M |
| Transportation and Warehousing | 512 | $209.1M |
SBA lending in Sacramento by year
Geography, precisely
"Sacramento area" here means the Sacramento-Roseville-Folsom, CA metropolitan statistical area as delineated by OMB (July 2023), which is exactly these counties: El Dorado County, CA; Placer County, CA; Sacramento County, CA; Yolo 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.