SBA lending by metro area
SBA lenders in San Francisco, CA
Which lenders fund San Francisco-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 San Francisco area
Ranked by SBA volume funded to businesses located in the San Francisco 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 | 1,152 | $1.2B | $1.0M | 2.00% |
| 2 | Wells Fargo Bank National Association | 2,134 | $753.4M | $353K | 3.89% |
| 3 | U.S. Bank, National Association | 1,396 | $582.6M | $417K | 1.72% |
| 4 | Capital Access Group, Inc. | 571 | $554.2M | $971K | not reported |
| 5 | Bay Area Employment Development Company | 529 | $489.4M | $925K | not reported |
| 6 | Live Oak Banking Company | 326 | $463.8M | $1.4M | 0.31% |
| 7 | JPMorgan Chase Bank, National Association | 993 | $205.3M | $207K | 4.23% |
| 8 | Heritage Bank of Commerce | 309 | $198.8M | $643K | 3.56% |
| 9 | East West Bank | 276 | $178.6M | $647K | 1.45% |
| 10 | Fremont Bank | 111 | $165.3M | $1.5M | 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 San Francisco compares
Median funded SBA loan and 504 share of loans, FY2010–2026.
| Median loan | 504 share | |
|---|---|---|
| San Francisco area | $300K | 17.4% ▲ 0.8 pts |
| California | $300K | 16.6% |
| United States | $179K | 11.2% |
What gets funded in San Francisco
| Industry | Loans | Total funded |
|---|---|---|
| Accommodation and Food Services | 2,085 | $1.3B |
| Retail Trade | 1,895 | $1.2B |
| Health Care and Social Assistance | 1,587 | $1.1B |
| Professional and Technical Services | 2,051 | $953.7M |
| Manufacturing | 948 | $756.2M |
| Other Services | 1,316 | $718.0M |
| Construction | 1,488 | $715.0M |
| Wholesale Trade | 819 | $613.4M |
SBA lending in San Francisco by year
Geography, precisely
"San Francisco area" here means the San Francisco-Oakland-Fremont, CA metropolitan statistical area as delineated by OMB (July 2023), which is exactly these counties: Alameda County, CA; Contra Costa County, CA; Marin County, CA; San Francisco County, CA; San Mateo 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.