SBA lending by metro area
SBA lenders in Santa Cruz, CA
Which lenders fund Santa Cruz-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 Santa Cruz area
Ranked by SBA volume funded to businesses located in the Santa Cruz 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 | 228 | $100.9M | $443K | 0.44% |
| 2 | Wells Fargo Bank National Association | 108 | $55.4M | $513K | 3.70% |
| 3 | Mortgage Capital Development Corporation | 25 | $34.4M | $1.4M | not reported |
| 4 | Heritage Bank of Commerce | 21 | $24.5M | $1.2M | 0.00% |
| 5 | Capital Access Group, Inc. | 21 | $22.8M | $1.1M | not reported |
| 6 | Pinnacle Bank | 8 | $20.1M | $2.5M | not reported |
| 7 | U.S. Bank, National Association | 47 | $19.8M | $421K | 2.13% |
| 8 | CDC Small Business Finance Corp. | 20 | $18.7M | $934K | not reported |
| 9 | Business Finance Capital | 23 | $18.5M | $806K | not reported |
| 10 | Bay Area Employment Development Company | 21 | $16.5M | $787K | 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 Santa Cruz compares
Median funded SBA loan and 504 share of loans, FY2010–2026.
| Median loan | 504 share | |
|---|---|---|
| Santa Cruz area | $250K ▼ 16.7% | 13.9% ▼ 2.7 pts |
| California | $300K | 16.6% |
| United States | $179K | 11.2% |
What gets funded in Santa Cruz
| Industry | Loans | Total funded |
|---|---|---|
| Accommodation and Food Services | 175 | $148.1M |
| Health Care and Social Assistance | 107 | $87.9M |
| Retail Trade | 147 | $82.5M |
| Manufacturing | 101 | $50.3M |
| Other Services | 68 | $38.7M |
| Professional and Technical Services | 82 | $28.7M |
| Construction | 63 | $23.8M |
| Real Estate | 29 | $23.7M |
SBA lending in Santa Cruz by year
Geography, precisely
"Santa Cruz area" here means the Santa Cruz-Watsonville, CA metropolitan statistical area as delineated by OMB (July 2023), which is exactly these counties: Santa Cruz 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.