SBA lending by metro area
SBA lenders in Santa Maria, CA
Which lenders fund Santa Maria-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 Maria area
Ranked by SBA volume funded to businesses located in the Santa Maria 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 | Cen Cal Business Finance Group | 73 | $56.5M | $774K | not reported |
| 2 | California Statewide Certified Development Corporation | 66 | $51.1M | $774K | not reported |
| 3 | CDC Small Business Finance Corp. | 48 | $45.9M | $956K | not reported |
| 4 | Live Oak Banking Company | 35 | $44.9M | $1.3M | 0.00% |
| 5 | U.S. Bank, National Association | 73 | $40.6M | $556K | 1.37% |
| 6 | American Riviera Bank | 102 | $36.5M | $358K | 1.96% |
| 7 | Commonwealth Business Bank | 61 | $34.2M | $560K | 0.00% |
| 8 | Mortgage Capital Development Corporation | 23 | $33.2M | $1.4M | not reported |
| 9 | Columbia Bank | 51 | $23.7M | $465K | 5.88% |
| 10 | Readycap Lending, LLC | 21 | $23.5M | $1.1M | 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 Santa Maria compares
Median funded SBA loan and 504 share of loans, FY2010–2026.
| Median loan | 504 share | |
|---|---|---|
| Santa Maria area | $295K ▼ 1.7% | 20.3% ▲ 3.6 pts |
| California | $300K | 16.6% |
| United States | $179K | 11.2% |
What gets funded in Santa Maria
| Industry | Loans | Total funded |
|---|---|---|
| Accommodation and Food Services | 200 | $192.8M |
| Retail Trade | 216 | $129.9M |
| Health Care and Social Assistance | 134 | $98.8M |
| Manufacturing | 109 | $65.3M |
| Other Services | 78 | $56.6M |
| Professional and Technical Services | 108 | $51.4M |
| Construction | 126 | $42.6M |
| Wholesale Trade | 46 | $19.8M |
SBA lending in Santa Maria by year
Geography, precisely
"Santa Maria area" here means the Santa Maria-Santa Barbara, CA metropolitan statistical area as delineated by OMB (July 2023), which is exactly these counties: Santa Barbara 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.