Best SBA Lenders in Hayward, CA (2026)
2025 FOIA data: top lenders, rates & industries for Hayward SBA loans
SBA Loans in Hayward, California
Looking for an SBA loan in Hayward, California? Based on 2025 FOIA data, 43 SBA 7(a) loans were funded in Hayward totaling $32.1M, supporting an estimated 343 jobs. With 12 active lenders competing for business in the Hayward market, comparing offers is essential to getting the best rate and terms.
The average SBA loan in Hayward is $745K at an average rate of 9.74%. The top lender in Hayward is Live Oak Banking Company, with the most-funded industry being Other Personal and Household Goods Repair and Maintenance. See all California SBA lenders for statewide rankings.
SBA Loans in Hayward by Business Type
Whether you’re starting a new business in Hayward, buying an existing one, or expanding your current operation, here’s how SBA lending breaks down in your market:
Startups represent 5% of SBA loans in Hayward (8 loans funded in 2025), which tells you how comfortable local lenders are funding new ventures without established operating history. Business acquisitions account for 26% (3 loans) — if you’re looking to buy a business in Hayward, this is a proven use case for SBA financing. Existing businesses make up 56% and typically receive the most favorable terms.
Top SBA Lenders in Hayward, CA (2025 Data)
The table below ranks every SBA 7(a) lender that funded loans to Hayward businesses in 2025, ordered by total dollar volume. This data comes directly from SBA FOIA records:
| # | Lender | Volume | Loans | Avg Rate |
|---|---|---|---|---|
| 1 | Live Oak Banking Company | $8.6M | 4 | 9.25% |
| 2 | U.S. Bank, National Association | $7.2M | 8 | 9.18% |
| 3 | United Midwest Savings Bank National Association | $3.3M | 2 | 9.25% |
| 4 | East West Bank | $2.9M | 2 | 6.7% |
| 5 | Newtek Bank, National Association | $2.5M | 3 | 10.58% |
| 6 | Northeast Bank | $2.0M | 9 | 10.36% |
| 7 | Wells Fargo Bank National Association | $1.9M | 4 | 9.35% |
| 8 | City National Bank | $1.0M | 1 | 5.49% |
| 9 | Celtic Bank Corporation | $939K | 1 | 9.75% |
| 10 | The Huntington National Bank | $912K | 5 | 10.45% |
The top lenders in Hayward have direct experience with local businesses and understand the Hayward 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 Hayward 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 Hayward
One 5-minute application. 12+ lenders competing for your deal. GoSBA matches you to the best fit — free, no obligation.
Top Industries Funded in Hayward
These are the industries that received the most SBA 7(a) funding in Hayward 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 Personal and Household Goods Repair and Maintenance | 2 | $5.0M |
| Roofing Contractors | 1 | $3.3M |
| Residential Property Managers | 2 | $3.3M |
| Remediation Services | 1 | $2.7M |
| Couriers | 1 | $2.4M |
| Child and Youth Services | 1 | $1.8M |
| Commercial Gravure Printing | 1 | $1.0M |
| Full-Service Restaurants | 2 | $985K |
| Homes for the Elderly | 1 | $939K |
| Other Commercial and Industrial Machinery and Equipment Rental and Lea | 1 | $878K |
Lenders with experience funding your specific industry in Hayward 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 Hayward
Option 1: Apply directly to one of the top Hayward 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 Hayward-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.
