Best Irvine, CA SBA Lenders & Rates of 2026

Compare 36 SBA lenders in Irvine, CA. $44.6M funded across 95 businesses. Average rate 10.37%. Get matched free.

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Best Irvine, CA SBA Lenders & Rates of 2026

$44.6M
Total Funded

95
Loans Approved

$470K
Avg Loan Size

10.37%
Avg Interest Rate

36
Active Lenders

SBA Loans in Irvine, CA

Irvine, CA businesses received $44.6M in SBA 7(a) loan approvals across 95 businesses in 2025. With 36 active SBA lenders competing for business in Irvine, understanding which banks offer the best rates can save you tens of thousands of dollars.

💡 Key Insight: The average SBA loan in Irvine is $470K, with rates averaging 10.37%. Rates vary significantly by lender—comparing offers can save you $50,000+ over the life of your loan.

Irvine SBA Loans by Business Type

🚀 Startups
21%
$9.1M • 20 loans

🏢 Existing Businesses
76%
$31.9M • 72 loans

🔄 Acquisitions
3%
$3.6M • 3 loans

Top SBA Lenders in Irvine, CA (2025)

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

RankLenderVolumeLoansAvg Rate
1 Live Oak Banking Company$8.0M59.20%
2 Bank of America, National Association$3.3M47.56%
3 JPMorgan Chase Bank, National Association$3.0M710.87%
4 The Huntington National Bank$2.6M19.25%
5 Wells Fargo Bank National Association$2.5M310.47%
6 Shinhan Bank America$2.4M17.85%
7 Lendistry SBLC, LLC$2.2M711.82%
8 Customers Bank$2.0M29.00%
9 Beach Cities Commercial Bank$2.0M28.75%
10 Northeast Bank$1.7M1111.07%
11 Capital Bank, National Association$1.6M110.00%
12 Readycap Lending, LLC$1.6M511.00%
13 City National Bank$1.5M16.23%
14 U.S. Bank, National Association$978K89.67%
15 Port 51 Lending LLC$814K110.25%
16 BayFirst National Bank$666K512.25%
17 Harvest Small Business Finance, LLC$570K110.00%
18 FFB Bank$567K110.25%
19 AMPAC Tri-State CDC, Inc.$544K410.88%
20 Centerstone SBA Lending, Inc.$520K110.00%
21 Newtek Bank, National Association$510K210.50%
22 Cadence Bank$500K110.25%
23 Commercial Bank of California$500K18.50%
24 American Continental Bank$479K29.50%
25 Neighborhood National Bank$479K19.50%
26 Celtic Bank Corporation$477K411.38%
27 Southwestern National Bank$457K29.50%
28 CRF Small Business Loan Company, LLC$440K110.25%
29 PCB Bank$400K19.25%
30 Bank of Hope$330K29.75%
31 Zions Bank, A Division of$300K211.88%
32 East West Bank$250K110.00%
33 First Foundation Bank$200K110.25%
34 Heritage Bank Inc$150K111.25%
35 First Bank of the Lake$150K113.50%
36 CDC Small Business Finance Corp.$100K110.00%

Top Industries in Irvine

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

SBA Loans in California

Irvine 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 Irvine?

GoSBA Loans helps Irvine businesses access the best SBA lenders:

  • Access 36+ lenders — including many that don’t accept direct applications
  • Local market expertise — we know which lenders are most active in Irvine
  • Rate comparison — get competing offers to secure the best terms
  • Free service — lenders pay us, you pay nothing extra

📞 Get Expert Help with Your Irvine SBA Loan

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

Looking for SBA loan help in Irvine? GoSBA Loans is a trusted SBA loan broker serving businesses in Irvine and across California. Contact our Irvine 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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