Best SBA Lenders in Murrieta, CA (2026)
2025 FOIA data: top lenders, rates & industries for Murrieta SBA loans
SBA Loans in Murrieta, California
Looking for an SBA loan in Murrieta, California? Based on 2025 FOIA data, 44 SBA 7(a) loans were funded in Murrieta totaling $27.3M, supporting an estimated 349 jobs. With 18 active lenders competing for business in the Murrieta market, comparing offers is essential to getting the best rate and terms.
The average SBA loan in Murrieta is $620K at an average rate of 10.6%. The top lender in Murrieta is Live Oak Banking Company, with the most-funded industry being All Other Amusement and Recreation Industries. See all California SBA lenders for statewide rankings.
SBA Loans in Murrieta by Business Type
Whether you’re starting a new business in Murrieta, buying an existing one, or expanding your current operation, here’s how SBA lending breaks down in your market:
Startups represent 22% of SBA loans in Murrieta (5 loans funded in 2025), which tells you how comfortable local lenders are funding new ventures without established operating history. Business acquisitions account for 0% (0 loans) — if you’re looking to buy a business in Murrieta, this is a proven use case for SBA financing. Existing businesses make up 72% and typically receive the most favorable terms.
Top SBA Lenders in Murrieta, CA (2025 Data)
The table below ranks every SBA 7(a) lender that funded loans to Murrieta 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 | $6.0M | 3 | 9.03% |
| 2 | Community Bank & Trust-West Georgia | $5.0M | 1 | 10.5% |
| 3 | Shinhan Bank America | $4.0M | 1 | 8.25% |
| 4 | U.S. Bank, National Association | $3.0M | 8 | 10.87% |
| 5 | City National Bank | $2.7M | 2 | 5.49% |
| 6 | Newtek Bank, National Association | $1.4M | 5 | 11.2% |
| 7 | Byline Bank | $896K | 2 | 10.5% |
| 8 | Citizens Bank | $867K | 2 | 10.62% |
| 9 | JPMorgan Chase Bank, National Association | $785K | 3 | 11.27% |
| 10 | Northeast Bank | $650K | 3 | 11% |
The top lenders in Murrieta have direct experience with local businesses and understand the Murrieta 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 Murrieta 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 Murrieta
One 5-minute application. 18+ lenders competing for your deal. GoSBA matches you to the best fit — free, no obligation.
Top Industries Funded in Murrieta
These are the industries that received the most SBA 7(a) funding in Murrieta 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 |
|---|---|---|
| All Other Amusement and Recreation Industries | 1 | $5.0M |
| Child Day Care Services | 2 | $4.5M |
| Insurance Agencies and Brokerages | 3 | $3.8M |
| Offices of Dentists | 1 | $2.7M |
| Veterinary Services | 2 | $2.1M |
| Plumbing, Heating, and Air-Conditioning Contractors | 1 | $2.0M |
| Fitness and Recreational Sports Centers | 3 | $917K |
| Poured Concrete Foundation and Structure Contractors | 1 | $661K |
| Offices of Physical, Occupational and Speech Therapists, and Audiologi | 2 | $500K |
| Wholesale Trade Agents and Brokers | 1 | $495K |
Lenders with experience funding your specific industry in Murrieta 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 Murrieta
Option 1: Apply directly to one of the top Murrieta 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 Murrieta-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
How many SBA loans were funded in Murrieta in 2025?
Can I get an SBA loan to start a business in Murrieta?
Who is the top SBA lender in Murrieta?
What is the average SBA loan rate in Murrieta?
Ready to Apply for an SBA Loan in Murrieta?
50+ lenders competing for your deal. Better rates, faster closing. No fees.
Data from SBA 7(a) FOIA records, Calendar Year 2025. Visit sba.gov for official info.
