Best California SBA Lenders & Rates of 2026

Compare 196 SBA lenders in California. $4.39B funded across 8,474 businesses. Average rate 10.32%. Get matched free.

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Best California SBA Lenders & Rates of 2026

$4.39B
Total Funded

8,474
Loans Approved

$518K
Avg Loan Size

10.32%
Avg Interest Rate

196
Active Lenders

SBA Loans in California

California businesses received $4.39B in SBA 7(a) loan approvals across 8,474 businesses in 2025. With 196 active SBA lenders competing for business in California, understanding which banks offer the best rates can save you tens of thousands of dollars.

💡 Key Insight: The average SBA loan in California is $518K, with rates averaging 10.32%. Rates vary significantly by lender—comparing offers can save you $50,000+ over the life of your loan.

Top SBA Lenders in California (2025)

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

RankLenderVolumeLoansAvg Rate
1Live Oak Banking Company$355.5M3109.35%
2U.S. Bank, National Association$274.6M9639.90%
3Newtek Bank, National Association$210.1M59811.04%
4Northeast Bank$194.6M104710.88%
5Harvest Small Business Finance, LLC$151.3M1299.89%
6Celtic Bank Corporation$139.7M31710.41%
7US Metro Bank$130.5M698.91%
8Bank of Hope$123.1M1999.36%
9Readycap Lending, LLC$121.3M32011.92%
10JPMorgan Chase Bank, National Association$110.6M33310.79%
11The Huntington National Bank$103.8M2839.78%
12Port 51 Lending LLC$102.6M659.79%
13Open Bank$100.0M609.02%
14Wells Fargo Bank National Association$95.1M26010.80%
15City National Bank$90.4M757.22%
16Lendistry SBLC, LLC$82.9M39312.10%
17Bank of America, National Association$82.5M1577.88%
18CalPrivate Bank$81.8M6710.03%
19East West Bank$73.9M959.19%
20First Internet Bank of Indiana$71.4M429.95%

🤝 How to Get an SBA Loan in California

Many top SBA lenders work primarily through approved SBA loan brokers. This is good news for borrowers:

  • Better Match: Get matched with the right lender for your situation
  • Negotiating Power: Broker relationships can result in better rates
  • Time Savings: One application goes to multiple lenders
  • Expert Guidance: Maximize your approval chances

GoSBA Loans works with lenders across California and can help you access the best loan programs. Our service is completely free to borrowers.

📞 Get Matched with California SBA Lenders

Ready to apply for an SBA loan in California? Our team can help you get matched with the right lender and program for your business.

Looking for SBA lenders in other states? GoSBA Loans works with 75+ SBA lenders nationwide. Contact us to get matched with the best lender for your specific business needs.

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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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