Best SBA Lenders in Gardena, CA (2026)
2025 FOIA data: top lenders, rates & industries for Gardena SBA loans
SBA Loans in Gardena, California
Looking for an SBA loan in Gardena, California? Based on 2025 FOIA data, 40 SBA 7(a) loans were funded in Gardena totaling $29.9M, supporting an estimated 798 jobs. With 24 active lenders competing for business in the Gardena market, comparing offers is essential to getting the best rate and terms.
The average SBA loan in Gardena is $747K at an average rate of 9.89%. The top lender in Gardena is Port 51 Lending LLC, with the most-funded industry being Other Miscellaneous Durable Goods Merchant Wholesalers. See all California SBA lenders for statewide rankings.
SBA Loans in Gardena by Business Type
Whether you’re starting a new business in Gardena, 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 Gardena (1 loans funded in 2025), which tells you how comfortable local lenders are funding new ventures without established operating history. Business acquisitions account for 21% (9 loans) — if you’re looking to buy a business in Gardena, this is a proven use case for SBA financing. Existing businesses make up 73% and typically receive the most favorable terms.
Top SBA Lenders in Gardena, CA (2025 Data)
The table below ranks every SBA 7(a) lender that funded loans to Gardena businesses in 2025, ordered by total dollar volume. This data comes directly from SBA FOIA records:
| # | Lender | Volume | Loans | Avg Rate |
|---|---|---|---|---|
| 1 | Port 51 Lending LLC | $4.2M | 1 | 10.75% |
| 2 | US Metro Bank | $2.8M | 2 | 9.12% |
| 3 | Open Bank | $2.8M | 2 | 9.12% |
| 4 | United Business Bank | $2.3M | 1 | 6.5% |
| 5 | City National Bank | $2.3M | 2 | 9.9% |
| 6 | First Internet Bank of Indiana | $2.2M | 2 | 10% |
| 7 | Bank of Hope | $1.9M | 4 | 10.12% |
| 8 | Shinhan Bank America | $1.6M | 1 | 8% |
| 9 | Readycap Lending, LLC | $1.4M | 1 | 10.5% |
| 10 | American Continental Bank | $1.1M | 1 | 8.5% |
The top lenders in Gardena have direct experience with local businesses and understand the Gardena 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 Gardena 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 Gardena
One 5-minute application. 24+ lenders competing for your deal. GoSBA matches you to the best fit — free, no obligation.
Top Industries Funded in Gardena
These are the industries that received the most SBA 7(a) funding in Gardena 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 |
|---|---|---|
| Other Miscellaneous Durable Goods Merchant Wholesalers | 2 | $5.1M |
| Plastics Materials and Basic Forms and Shapes Merchant Wholesalers | 1 | $4.2M |
| Security Guards and Patrol Services | 4 | $4.2M |
| Full-Service Restaurants | 4 | $2.9M |
| Other Grocery and Related Products Merchant Wholesalers | 2 | $2.2M |
| Snack and Nonalcoholic Beverage Bars | 2 | $1.5M |
| Commercial Gravure Printing | 1 | $920K |
| Service Establishment Equipment and Supplies Merchant Wholesalers | 1 | $870K |
| Supermarkets and Other Grocery (except Convenience) Stores | 2 | $656K |
| Tax Preparation Services | 1 | $500K |
Lenders with experience funding your specific industry in Gardena 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 Gardena
Option 1: Apply directly to one of the top Gardena 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 Gardena-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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Data from SBA 7(a) FOIA records, Calendar Year 2025. Visit sba.gov for official info.
