SBA lending by metro area
SBA lenders in Salinas, CA
Which lenders fund Salinas-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 Salinas area
Ranked by SBA volume funded to businesses located in the Salinas 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 | West Coast Community Bank | 129 | $86.0M | $666K | 2.33% |
| 2 | Monterey County Bank | 182 | $78.8M | $433K | 6.04% |
| 3 | Mortgage Capital Development Corporation | 41 | $60.2M | $1.5M | not reported |
| 4 | Pinnacle Bank | 27 | $57.6M | $2.1M | 3.70% |
| 5 | Live Oak Banking Company | 28 | $37.5M | $1.3M | 0.00% |
| 6 | Wells Fargo Bank National Association | 104 | $29.5M | $284K | 5.77% |
| 7 | Columbia Bank | 19 | $23.9M | $1.3M | not reported |
| 8 | Bay Area Employment Development Company | 24 | $23.5M | $978K | not reported |
| 9 | California Statewide Certified Development Corporation | 30 | $21.5M | $718K | not reported |
| 10 | United Business Bank | 13 | $19.8M | $1.5M | 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 Salinas compares
Median funded SBA loan and 504 share of loans, FY2010–2026.
| Median loan | 504 share | |
|---|---|---|
| Salinas area | $340K ▲ 13.3% | 14.1% ▼ 2.5 pts |
| California | $300K | 16.6% |
| United States | $179K | 11.2% |
What gets funded in Salinas
| Industry | Loans | Total funded |
|---|---|---|
| Accommodation and Food Services | 248 | $294.0M |
| Retail Trade | 210 | $136.4M |
| Health Care and Social Assistance | 107 | $87.0M |
| Manufacturing | 75 | $44.5M |
| Professional and Technical Services | 67 | $32.1M |
| Other Services | 63 | $29.7M |
| Real Estate | 29 | $23.3M |
| Arts, Entertainment, Recreation | 31 | $22.2M |
SBA lending in Salinas by year
Geography, precisely
"Salinas area" here means the Salinas, CA metropolitan statistical area as delineated by OMB (July 2023), which is exactly these counties: Monterey 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.