SBA lending by state
SBA Lending in California
In California, SBA lenders funded 133,792 7(a) and 504 loans since FY2010, totaling $84.0B, an average of $628K per loan. The most active lender is Wells Fargo Bank National Association, and the most-funded industry is Retail Trade.
By Mario Bailey · Source: SBA FOIA data, FY2010–2026 (as of 2026-03-31)
Top SBA lenders in California
Ranked by SBA loans funded in California since FY2010. Each lender's figures, including its 7(a) charge-off rate, cover its California loans only. Charge-off is reported on 7(a) loans, never on 504 loans, so a lender without a reliable 7(a) sample in California shows “not reported,” never 0%.
See the full California ranking : up to 25 lenders, with the 7(a) vs 504 leaders and industry context.
| # | Lender | Loans | Total funded | Average loan | 7(a) charge-off |
|---|---|---|---|---|---|
| 1 | Wells Fargo Bank National Association | 13,487 | $5.1B | $379K | 5.09% |
| 2 | U.S. Bank, National Association | 13,077 | $4.4B | $338K | 3.98% |
| 3 | JPMorgan Chase Bank, National Association | 8,833 | $1.8B | $206K | 5.51% |
| 4 | CDC Small Business Finance Corp. | 6,183 | $4.6B | $740K | 11.18% |
| 5 | Mortgage Capital Development Corporation | 4,332 | $5.0B | $1.2M | 3.88% |
| 6 | Bank of Hope | 4,087 | $2.3B | $561K | 4.04% |
| 7 | Columbia Bank | 2,974 | $2.1B | $701K | 3.43% |
| 8 | Enterprise Bank & Trust | 2,904 | $2.8B | $960K | 0.79% |
| 9 | Business Finance Capital | 2,707 | $3.4B | $1.3M | not reported |
| 10 | California Statewide Certified Development Corporation | 2,621 | $2.7B | $1.0M | 2.47% |
SBA 7(a) and 504 loans, FY2010–2026, as of 2026-03-31, from the SBA's public record.
Ready to find your SBA lender in California?
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.
504 lenders (CDCs) in California
An SBA 504 project in California pairs two lenders: a bank or credit union funds roughly half the cost as a first mortgage, and a Certified Development Company (CDC) funds about 40% through an SBA-backed debenture, with the borrower putting down around 10%. Below are the CDCs most active on 504 loans in California, ranked by 504 loans funded in the state since FY2010. Figures are 504-only; charge-off is reported on 7(a) loans only and does not apply to CDCs.
| CDC | 504 loans | 504 volume |
|---|---|---|
| CDC Small Business Finance Corp. | 4,367 | $4.3B |
| Mortgage Capital Development Corporation | 4,203 | $5.0B |
| Business Finance Capital | 2,700 | $3.4B |
| California Statewide Certified Development Corporation | 2,540 | $2.7B |
| Bay Area Employment Development Company | 1,347 | $1.3B |
| Capital Access Group, Inc. | 1,312 | $1.2B |
| Southland Economic Development Corporation | 1,045 | $909.8M |
| SBA CLSC Servicing | 1,031 | $816.2M |
| AMPAC Tri-State CDC, Inc. | 897 | $871.8M |
| Cen Cal Business Finance Group | 892 | $650.7M |
Showing the 10 CDCs most active on 504 loans in California; the full directory lists every CDC.
All Certified Development Companies · Current 504 loan rates · How 504 loans work
Top industries funded in California
| Industry | Loans | Total volume |
|---|---|---|
| Retail Trade | 18,776 | $12.7B |
| Accommodation and Food Services | 16,437 | $11.9B |
| Health Care and Social Assistance | 13,744 | $9.6B |
| Wholesale Trade | 10,881 | $8.9B |
| Manufacturing | 10,593 | $8.8B |
| Professional and Technical Services | 14,862 | $7.0B |
| Other Services | 11,242 | $6.4B |
| Construction | 12,550 | $5.4B |
Top cities for SBA loans in California
Where SBA 7(a) and 504 borrowers in California are located, by funded volume.
| City | Loans | Total volume |
|---|---|---|
| Los Angeles | 10,502 | $7.1B |
| San Diego | 5,156 | $2.6B |
| San Francisco | 3,109 | $1.8B |
| San Jose | 2,532 | $1.6B |
| Sacramento | 2,837 | $1.6B |
| Anaheim | 1,583 | $1.2B |
| Irvine | 1,622 | $1.1B |
| Fresno | 1,647 | $1.0B |
SBA lending by metro area in California
Which lenders fund each California market, with local loan sizes and industries.
- SBA lenders in Los Angeles, CA 54,644 loans
- SBA lenders in Riverside, CA 14,213 loans
- SBA lenders in San Francisco, CA 14,684 loans
- SBA lenders in San Diego, CA 12,346 loans
- SBA lenders in Sacramento, CA 8,524 loans
- SBA lenders in San Jose, CA 5,374 loans
- SBA lenders in Oxnard, CA 2,899 loans
- SBA lenders in Fresno, CA 2,624 loans
- SBA lenders in Stockton, CA 1,652 loans
- SBA lenders in Bakersfield, CA 1,844 loans
- SBA lenders in Santa Rosa, CA 1,918 loans
- SBA lenders in Salinas, CA 1,068 loans
- SBA lenders in San Luis Obispo, CA 1,542 loans
- SBA lenders in Santa Maria, CA 1,205 loans
- SBA lenders in Modesto, CA 1,105 loans
- SBA lenders in Vallejo, CA 884 loans
- SBA lenders in Santa Cruz, CA 947 loans
- SBA lenders in Visalia, CA 856 loans
- SBA lenders in Napa, CA 639 loans
- SBA lenders in Redding, CA 742 loans
- SBA lenders in Merced, CA 472 loans
- SBA lenders in Chico, CA 522 loans
- SBA lenders in El Centro, CA 367 loans
- SBA lenders in Yuba City, CA 431 loans
- SBA lenders in Truckee, CA 387 loans
- SBA lenders in Eureka, CA 339 loans
- SBA lenders in Ukiah, CA 204 loans
- SBA lenders in Hanford, CA 165 loans
- SBA lenders in Red Bluff, CA 179 loans
- SBA lenders in Gardnerville Ranchos, NV 181 loans
- SBA lenders in Clearlake, CA 120 loans
- SBA lenders in Sonora, CA 122 loans
- SBA lenders in Bishop, CA 42 loans
- SBA lenders in Susanville, CA 48 loans
- SBA lenders in Crescent City, CA 30 loans
SBA lending in California by year
Funded SBA volume by approval fiscal year (FY2010–2026).
| Fiscal year | Loans | Total volume |
|---|---|---|
| 2010 | 6,328 | $2.8B |
| 2011 | 7,316 | $4.1B |
| 2012 | 6,984 | $3.9B |
| 2013 | 7,511 | $4.3B |
| 2014 | 8,039 | $4.4B |
| 2015 | 10,136 | $5.3B |
| 2016 | 9,887 | $5.2B |
| 2017 | 9,054 | $5.5B |
| 2018 | 8,404 | $5.2B |
| 2019 | 7,533 | $4.7B |
| 2020 | 6,646 | $5.0B |
| 2021 | 7,557 | $7.7B |
| 2022 | 6,642 | $5.8B |
| 2023 | 7,290 | $5.1B |
| 2024 | 9,480 | $5.5B |
| 2025 | 11,039 | $6.6B |
| 2026 | 3,946 | $2.8B |
SBA lending in California: frequently asked questions
How much SBA lending is there in California?
SBA lenders funded 133,792 7(a) and 504 loans totaling $84.0B in California in the public SBA data (as of 2026-03-31), an average of $628K per loan.
Who is the most active SBA lender in California?
Wells Fargo Bank National Association is the most active SBA lender in California in the public data, by loans funded.
What industries get the most SBA loans in California?
The most-funded industry for SBA loans in California is Retail Trade.
Get SBA lending trends in your inbox
Occasional, data-driven briefings on SBA lending by industry and state. No spam, unsubscribe anytime.
We use your email only to send lending-trend updates. See our privacy policy.