Best SBA Lenders in Ontario, CA (2026)
2025 FOIA data: top lenders, rates & industries for Ontario SBA loans
SBA Loans in Ontario, California
Looking for an SBA loan in Ontario, California? Based on 2025 FOIA data, 57 SBA 7(a) loans were funded in Ontario totaling $33.7M, supporting an estimated 527 jobs. With 26 active lenders competing for business in the Ontario market, comparing offers is essential to getting the best rate and terms.
The average SBA loan in Ontario is $591K at an average rate of 10.4%. The top lender in Ontario is Newtek Bank, National Association, with the most-funded industry being Hotels (except Casino Hotels) and Motels. See all California SBA lenders for statewide rankings.
SBA Loans in Ontario by Business Type
Whether you’re starting a new business in Ontario, buying an existing one, or expanding your current operation, here’s how SBA lending breaks down in your market:
Startups represent 0% of SBA loans in Ontario (0 loans funded in 2025), which tells you how comfortable local lenders are funding new ventures without established operating history. Business acquisitions account for 29% (4 loans) — if you’re looking to buy a business in Ontario, this is a proven use case for SBA financing. Existing businesses make up 46% and typically receive the most favorable terms.
Top SBA Lenders in Ontario, CA (2025 Data)
The table below ranks every SBA 7(a) lender that funded loans to Ontario businesses in 2025, ordered by total dollar volume. This data comes directly from SBA FOIA records:
| # | Lender | Volume | Loans | Avg Rate |
|---|---|---|---|---|
| 1 | Newtek Bank, National Association | $5.5M | 5 | 10.6% |
| 2 | Southwestern National Bank | $5.0M | 1 | 8.75% |
| 3 | Mega Bank | $4.0M | 1 | 9% |
| 4 | City National Bank | $3.4M | 1 | 6.25% |
| 5 | PCB Bank | $2.7M | 1 | 9.25% |
| 6 | Bank of America, National Association | $2.1M | 3 | 6.96% |
| 7 | JPMorgan Chase Bank, National Association | $1.4M | 3 | 10.17% |
| 8 | Northeast Bank | $1.4M | 7 | 10.71% |
| 9 | Readycap Lending, LLC | $1.1M | 3 | 11.67% |
| 10 | First General Bank | $990K | 1 | 8.5% |
The top lenders in Ontario have direct experience with local businesses and understand the Ontario market — commercial real estate values, local industry dynamics, and regional economic conditions. Pay attention to the “Avg Rate” column, as rates vary significantly between lenders. A 0.5-1.0% rate difference on a $500K loan translates to $15,000-$30,000 in savings over the life of the loan.
Don’t limit your search to banks listed above — many national SBA lenders also fund loans in Ontario and may offer better rates. An SBA loan broker like GoSBA gives you access to both local and national lenders with one application.
Get Matched with the Best SBA Lender in Ontario
One 5-minute application. 26+ lenders competing for your deal. GoSBA matches you to the best fit — free, no obligation.
Top Industries Funded in Ontario
These are the industries that received the most SBA 7(a) funding in Ontario in 2025. If your business is in one of these sectors, lenders are already familiar with your business model and may offer faster approvals:
| Industry | Loans | Volume |
|---|---|---|
| Hotels (except Casino Hotels) and Motels | 1 | $5.0M |
| Other Aircraft Parts and Auxiliary Equipment Manufacturing | 1 | $3.4M |
| Used Car Dealers | 1 | $3.0M |
| Home Health Care Services | 2 | $1.9M |
| Other Miscellaneous Durable Goods Merchant Wholesalers | 1 | $1.8M |
| Offices of Physicians (except Mental Health Specialists) | 2 | $1.3M |
| Offices of Mental Health Practitioners (except Physicians) | 1 | $935K |
| Commercial and Institutional Building Construction | 1 | $652K |
| Lumber, Plywood, Millwork, and Wood Panel Merchant Wholesalers | 1 | $630K |
| Other Specialized Design Services | 2 | $568K |
Lenders with experience funding your specific industry in Ontario understand the local competitive landscape, typical revenue ranges, and seasonal patterns. This familiarity often translates to faster underwriting and more competitive terms. If your industry doesn’t appear above, SBA loans are available for nearly every legal business type — an SBA broker can match you with lenders who specialize in your sector.
How to Get an SBA Loan in Ontario
Option 1: Apply directly to one of the top Ontario lenders listed above. You’ll receive a single quote from one bank.
Option 2: Use an SBA loan broker (recommended). GoSBA Loans submits your application to multiple Ontario-active lenders and national SBA lenders simultaneously. More offers means better rates, faster approvals, and zero cost to you — lenders pay the broker fee.
Frequently Asked Questions
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Ready to Apply for an SBA Loan in Ontario?
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Data from SBA 7(a) FOIA records, Calendar Year 2025. Visit sba.gov for official info.
