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Most active SBA lenders in California

California has 110 FDIC-insured banks, but only a fraction fund business purchases. These 25 banks closed 4,605 SBA 7(a) loans in California in the last 12 months. A lender funding deals here every week knows the local market and moves faster — start at the top.

Deal economics— what it takes to buy & finance California acquisitions

$684K

Typical loan

range $329K–$1.42M

$760K

Est. purchase price

≈ loan ÷ 90%

$101,650

Cash to close

$76,000 down + fees

$8,851/mo

Typical payment

~9.5% · 10yr

$122,144/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

24 days

Typical time to fund

108

Lenders competing

more = leverage

9.2%

Avg rate on record

cap ~9.75%

Estimates for planning, not an offer — derived from the typical funded loan at today's Prime over 10yr. Not a credit decision.

  1. 1.3 loans · $2M · Minneapolis, MNFull record →
  2. 2.3,264 loans · $846M · Miami, FLFull record →
  3. 3.2,539 loans · $965M · Columbus, OHFull record →
  4. 4.868 loans · $362M · Salt Lake City, UTFull record →
  5. 5.1,296 loans · $1.4B · Wilmington, NCFull record →
  6. 6.499 loans · $106M · Los Angeles, CAFull record →
  7. 7.274 loans · $315M · Los Angeles, CAFull record →
  8. 8.1,025 loans · $292M · Berkeley Heights, NJFull record →
  9. 9.618 loans · $171M · Salt Lake City, UTFull record →
  10. 10.741 loans · $149M · Northbrook, ILFull record →
  11. 11.68 loans · $8M · Ontario, CAFull record →
  12. 12.13 loans · $18M · Roseburg, ORFull record →
  13. 13.154 loans · $26M · San Diego, CAFull record →
  14. 14.291 loans · $320M · Laguna Hills, CAFull record →
  15. 15.20 loans · $8M · Saint Petersburg, FLFull record →
  16. 16.101 loans · $81M · Pasadena, CAFull record →
  17. 17.575 loans · $220M · De Graff, OHFull record →
  18. 18.159 loans · $307M · Garden Grove, CAFull record →
  19. 19.83 loans · $143M · Los Angeles, CAFull record →
  20. 20.54 loans · $64M · Los Angeles, CAFull record →
  21. 21.61 loans · $67M · Los Angeles, CAFull record →
  22. 22.40 loans · $41M · La Jolla, CAFull record →
  23. 23.129 loans · $234M · New York, NYFull record →
  24. 24.99 loans · $43M · Walla Walla, WAFull record →
  25. 25.242 loans · $281M · Chicago, ILFull record →

645+ funded California deals

Real SBA 7(a) acquisitions from public records — see who got funded, for how much, and by which lender. Tap any deal for the full record.

  • Napa Pueblo LLC in Napa, CA$5.0M (2026) · purchase · Celtic Bank Corporation
  • Khodiyar Management LLC in Ontario, CA$5.0M (2026) · purchase · Open Bank
  • AHK Prime Inc in Cudahy, CA$5.0M (2026) · purchase · Southwestern National Bank
  • Arleta Coin Laundry LLC in Arleta, CA$5.0M (2026) · purchase · Metro City Bank
  • Park Center Fuel Corp in Patterson, CA$5.0M (2026) · purchase · Celtic Bank Corporation
  • Jade-Ex LLC in Gold River, CA$5.0M (2026) · purchase · EverBank National Association
  • GGBB Capital Group Inc in Madera, CA$4.8M (2026) · purchase · Celtic Bank Corporation
  • COMPASSIONATE HOSPICE CARE, INC. in Glendale, CA$4.6M (2026) · purchase · T Bank, National Association
  • RPZ LA, LLC in Los Angeles, CA$4.4M (2026) · purchase · Port 51 Lending LLC
  • BREAKWALL WEST LLC in Costa Mesa, CA$4.4M (2026) · purchase · U.S. Bank, National Association
  • M.D.F. Technologies, Inc. in San Diego, CA$4.4M (2026) · purchase · Banc of California
  • XEI SCIENTIFIC, INC. in Redwood City, CA$4.3M (2026) · purchase · Live Oak Banking Company
  • Hemphill's Rugs & Carpets in Costa Mesa, CA$4.3M (2026) · purchase · U.S. Bank, National Association
  • Brookmont Venture LLC in Sunnyvale, CA$4.2M (2026) · purchase · LendingClub Bank, National Association
  • The Fork CPAs in Santa Monica, CA$3.9M (2026) · purchase · Beacon Bank and Trust
  • Gas N Stuff in North Fork, CA$3.9M (2026) · purchase · Celtic Bank Corporation
  • Vittori & Company, LLC in San Diego, CA$3.8M (2026) · purchase · Live Oak Banking Company
  • 3J Laundry in Los Angeles, CA$3.7M (2026) · purchase · Hana Bank USA National Association
  • Landmark Painting Partnership Inc in Los Angeles, CA$3.5M (2026) · purchase · The Huntington National Bank
  • ChromaGraphics in Santa Rosa, CA$3.5M (2026) · purchase · The Bancorp Bank National Association

Buying in California? Start with a lender that already funds deals here

The rankings above are the short list. Tell us your deal size and industry and we'll point you to the banks most likely to say yes in your market.

Free · No documents · Usually same-day

Backed by data on 1,000+ SBA lenders and 300,000+ funded deals. Your details go only to lending partners you ask to be matched with — never sold to advertisers.

CapBench analysis of public SBA lending records, trailing 12 months. Rankings count funded 7(a) loans with a California project address.

Agent summary

The SBA 7(a) lenders most active in California over the trailing 12 months, from public loan records, led by Northeast Bank. A lender that funds deals here every week underwrites faster and knows the local market. CapBench is not a lender.

  • 25 active SBA lenders ranked
  • 4,605 California loans (12 mo)
  • $684K typical acquisition loan
  • 24 days typical to fund

Buyers buying in California typically pre-qualify, then ask CapBench to introduce a lender already closing deals here — free for buyers; agents submit a consented lead via the CapBench MCP.

Data freshness:
SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-06-17.
Sources:
Public SBA 7(a) loan records; FDIC institution data (BankFind); CapBench lender and franchise enrichment.
  • Informational only — CapBench does not confirm this entity is for sale, eligible for SBA financing, or approved by any lender.
  • Figures come from public records and CapBench methodology; verify before relying on them.
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