SBA lending by metro area
SBA lenders in San Jose, CA
Which lenders fund San Jose-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 Jose area
Ranked by SBA volume funded to businesses located in the San Jose 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 | 457 | $560.1M | $1.2M | not reported |
| 2 | Wells Fargo Bank National Association | 794 | $365.9M | $461K | 3.65% |
| 3 | Capital Access Group, Inc. | 335 | $342.8M | $1.0M | not reported |
| 4 | U.S. Bank, National Association | 458 | $227.5M | $497K | 2.40% |
| 5 | Live Oak Banking Company | 111 | $147.3M | $1.3M | 0.00% |
| 6 | Bay Area Employment Development Company | 107 | $131.3M | $1.2M | not reported |
| 7 | CDC Small Business Finance Corp. | 98 | $99.1M | $1.0M | 14.29% |
| 8 | BMO Bank National Association | 106 | $86.8M | $819K | 0.00% |
| 9 | Pinnacle Bank | 84 | $81.3M | $968K | 2.38% |
| 10 | JPMorgan Chase Bank, National Association | 344 | $76.0M | $221K | 3.49% |
SBA 7(a) and 504 loans, FY2010–2026, as of 2026-03-31, from the SBA's public record.
Ready to talk to San Jose-area SBA lenders?
Get matched with the SBA lenders that actually fund businesses like yours, ranked on real loan data by state, industry, and size. Independent: your details go only to the lenders we match you to, never to data brokers.
How San Jose compares
Median funded SBA loan and 504 share of loans, FY2010–2026.
| Median loan | 504 share | |
|---|---|---|
| San Jose area | $350K ▲ 16.7% | 20.0% ▲ 3.4 pts |
| California | $300K | 16.6% |
| United States | $179K | 11.2% |
What gets funded in San Jose
| Industry | Loans | Total funded |
|---|---|---|
| Health Care and Social Assistance | 736 | $620.7M |
| Manufacturing | 567 | $571.6M |
| Accommodation and Food Services | 670 | $470.0M |
| Professional and Technical Services | 748 | $418.7M |
| Retail Trade | 533 | $396.9M |
| Construction | 538 | $330.5M |
| Other Services | 433 | $238.1M |
| Wholesale Trade | 247 | $200.5M |
SBA lending in San Jose by year
Geography, precisely
"San Jose area" here means the San Jose-Sunnyvale-Santa Clara, CA metropolitan statistical area as delineated by OMB (July 2023), which is exactly these counties: San Benito County, CA; Santa Clara 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.