Best Bakersfield, CA SBA Lenders & Rates of 2026

Compare 34 SBA lenders in Bakersfield, CA. $77.5M funded across 94 businesses. Average rate 10.22%. Get matched free.

Table of Contents

Best Bakersfield, CA SBA Lenders & Rates of 2026

$77.5M
Total Funded

94
Loans Approved

$825K
Avg Loan Size

10.22%
Avg Interest Rate

34
Active Lenders

SBA Loans in Bakersfield, CA

Bakersfield, CA businesses received $77.5M in SBA 7(a) loan approvals across 94 businesses in 2025. With 34 active SBA lenders competing for business in Bakersfield, understanding which banks offer the best rates can save you tens of thousands of dollars.

💡 Key Insight: The average SBA loan in Bakersfield is $825K, with rates averaging 10.22%. Rates vary significantly by lender—comparing offers can save you $50,000+ over the life of your loan.

Bakersfield SBA Loans by Business Type

🚀 Startups
24%
$20.3M • 23 loans

🏢 Existing Businesses
64%
$37.4M • 60 loans

🔄 Acquisitions
12%
$19.9M • 11 loans

Top SBA Lenders in Bakersfield, CA (2025)

Based on official SBA data analyzed by GoSBA Loans, these are the banks that funded the most SBA 7(a) loans to Bakersfield businesses:

RankLenderVolumeLoansAvg Rate
1 Celtic Bank Corporation$18.0M159.97%
2 East West Bank$6.0M59.00%
3 Pacific Alliance Bank$5.0M18.25%
4 Open Bank$5.0M18.50%
5 Enterprise Bank & Trust$4.7M28.88%
6 Bank of Hope$4.5M18.50%
7 US Metro Bank$4.4M29.13%
8 PCB Bank$4.3M28.38%
9 U.S. Bank, National Association$3.9M1410.31%
10 Plumas Bank$3.4M28.00%
11 Mission Valley Bank$3.1M18.50%
12 Northeast Bank$1.7M710.21%
13 CalPrivate Bank$1.7M310.17%
14 Commonwealth Business Bank$1.6M19.00%
15 United Midwest Savings Bank National Association$1.5M19.50%
16 Lendistry SBLC, LLC$1.4M411.63%
17 First Internet Bank of Indiana$1.1M19.75%
18 Live Oak Banking Company$1.1M39.83%
19 Newtek Bank, National Association$650K310.33%
20 Pinnacle Bank$535K18.75%
21 Readycap Lending, LLC$525K412.94%
22 AMPAC Tri-State CDC, Inc.$510K312.42%
23 Mission Bank$500K110.25%
24 JPMorgan Chase Bank, National Association$404K29.97%
25 Bank Five Nine$377K110.00%
26 Port 51 Lending LLC$295K110.25%
27 The Huntington National Bank$258K210.25%
28 Wallis Bank$250K19.25%
29 AltaOne FCU$189K113.50%
30 Bank of America, National Association$175K18.49%
31 CDC Small Business Finance Corp.$175K210.25%
32 Community West Bank$79K110.75%
33 BayFirst National Bank$60K112.25%
34 Wells Fargo Bank National Association$60K313.00%

Top Industries in Bakersfield

Here are the industries that received the most SBA funding in Bakersfield:

SBA Loans in California

Bakersfield is part of California‘s SBA lending market. For statewide data and more lender options, see our full California SBA Lenders guide.

🤝 Why Use an SBA Broker in Bakersfield?

GoSBA Loans helps Bakersfield businesses access the best SBA lenders:

  • Access 34+ lenders — including many that don’t accept direct applications
  • Local market expertise — we know which lenders are most active in Bakersfield
  • Rate comparison — get competing offers to secure the best terms
  • Free service — lenders pay us, you pay nothing extra

📞 Get Expert Help with Your Bakersfield SBA Loan

Our team has helped hundreds of Bakersfield businesses secure SBA financing. Let us match you with the right lender.

Looking for SBA loan help in Bakersfield? GoSBA Loans is a trusted SBA loan broker serving businesses in Bakersfield and across California. Contact our Bakersfield SBA specialists today for a free consultation.

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Ishan Jetley

Ishan Jetley is the owner of GoSBA Loans. I have assisted 100's of businesses with their business loans. I specialize in SBA financing for working capital, real estate and business acquisitions.
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