Best San Jose, CA SBA Lenders & Rates of 2026

Compare 40 SBA lenders in San Jose, CA. $78.4M funded across 167 businesses. Average rate 10.41%. Get matched free.

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Best San Jose, CA SBA Lenders & Rates of 2026

$78.4M
Total Funded

167
Loans Approved

$469K
Avg Loan Size

10.41%
Avg Interest Rate

40
Active Lenders

SBA Loans in San Jose, CA

San Jose, CA businesses received $78.4M in SBA 7(a) loan approvals across 167 businesses in 2025. With 40 active SBA lenders competing for business in San Jose, understanding which banks offer the best rates can save you tens of thousands of dollars.

💡 Key Insight: The average SBA loan in San Jose is $469K, with rates averaging 10.41%. Rates vary significantly by lender—comparing offers can save you $50,000+ over the life of your loan.

San Jose SBA Loans by Business Type

🚀 Startups
22%
$19.2M • 36 loans

🏢 Existing Businesses
71%
$48.4M • 118 loans

🔄 Acquisitions
8%
$10.7M • 13 loans

Top SBA Lenders in San Jose, CA (2025)

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

RankLenderVolumeLoansAvg Rate
1 Live Oak Banking Company$9.9M89.09%
2 The Huntington National Bank$9.4M189.46%
3 U.S. Bank, National Association$6.8M239.57%
4 Community Bank & Trust-West Georgia$5.0M110.25%
5 Bankwell Bank$4.8M110.00%
6 Northeast Bank$4.6M2111.08%
7 JPMorgan Chase Bank, National Association$4.0M1311.12%
8 US Metro Bank$3.0M18.50%
9 Open Bank$2.4M39.67%
10 Newtek Bank, National Association$2.3M810.88%
11 Wells Fargo Bank National Association$2.1M510.82%
12 Bank of Hope$2.0M39.00%
13 Plumas Bank$1.9M19.75%
14 First Internet Bank of Indiana$1.8M110.25%
15 Lendistry SBLC, LLC$1.8M912.17%
16 United Midwest Savings Bank National Association$1.8M310.17%
17 Centerstone SBA Lending, Inc.$1.6M110.50%
18 Readycap Lending, LLC$1.6M612.13%
19 Busey Bank$1.4M19.75%
20 Bank of America, National Association$1.2M58.60%
21 Banner Bank$997K110.00%
22 Celtic Bank Corporation$890K610.25%
23 Preferred Bank$807K18.00%
24 Platinum Bank$690K19.75%
25 East West Bank$595K59.70%
26 Capital Bank, National Association$500K110.25%
27 MISSINGMAINBANKID$500K19.50%
28 Commonwealth Business Bank$480K19.75%
29 BayFirst National Bank$450K312.33%
30 West Coast Community Bank$400K110.25%
31 Cadence Bank$350K110.25%
32 CDC Small Business Finance Corp.$350K110.50%
33 First Business Bank$330K110.25%
34 CenTrust Bank, A Division of SmartBiz Bank National Associat$300K212.38%
35 United Business Bank$253K110.50%
36 CTBC Bank Corp. (USA).$200K18.50%
37 Comerica Bank$200K19.75%
38 AMPAC Tri-State CDC, Inc.$193K413.88%
39 Colony Bank$150K110.50%
40 Zions Bank, A Division of$50K111.50%

Top Industries in San Jose

Here are the industries that received the most SBA funding in San Jose:

SBA Loans in California

San Jose 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 San Jose?

GoSBA Loans helps San Jose businesses access the best SBA lenders:

  • Access 40+ lenders — including many that don’t accept direct applications
  • Local market expertise — we know which lenders are most active in San Jose
  • Rate comparison — get competing offers to secure the best terms
  • Free service — lenders pay us, you pay nothing extra

📞 Get Expert Help with Your San Jose SBA Loan

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

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