Best SBA Lenders in Huntington Beach, CA (2026)
2025 FOIA data: top lenders, rates & industries for Huntington Beach SBA loans
SBA Loans in Huntington Beach, California
Looking for an SBA loan in Huntington Beach, California? Based on 2025 FOIA data, 60 SBA 7(a) loans were funded in Huntington Beach totaling $26.0M, supporting an estimated 614 jobs. With 27 active lenders competing for business in the Huntington Beach market, comparing offers is essential to getting the best rate and terms.
The average SBA loan in Huntington Beach is $433K at an average rate of 10.51%. The top lender in Huntington Beach is U.S. Bank, National Association, with the most-funded industry being Metal Coating, Engraving (except Jewelry and Silverware), and Allied S. See all California SBA lenders for statewide rankings.
SBA Loans in Huntington Beach by Business Type
Whether you’re starting a new business in Huntington Beach, buying an existing one, or expanding your current operation, here’s how SBA lending breaks down in your market:
Startups represent 20% of SBA loans in Huntington Beach (12 loans funded in 2025), which tells you how comfortable local lenders are funding new ventures without established operating history. Business acquisitions account for 5% (2 loans) — if you’re looking to buy a business in Huntington Beach, this is a proven use case for SBA financing. Existing businesses make up 63% and typically receive the most favorable terms.
Top SBA Lenders in Huntington Beach, CA (2025 Data)
The table below ranks every SBA 7(a) lender that funded loans to Huntington Beach businesses in 2025, ordered by total dollar volume. This data comes directly from SBA FOIA records:
| # | Lender | Volume | Loans | Avg Rate |
|---|---|---|---|---|
| 1 | U.S. Bank, National Association | $6.8M | 6 | 8.24% |
| 2 | CalPrivate Bank | $2.5M | 1 | 10.75% |
| 3 | Northeast Bank | $2.5M | 8 | 10.56% |
| 4 | The Huntington National Bank | $1.9M | 6 | 9.62% |
| 5 | Merchants Bank of Indiana | $1.3M | 2 | 9.62% |
| 6 | Live Oak Banking Company | $1.2M | 2 | 8% |
| 7 | Readycap Lending, LLC | $1.1M | 4 | 12% |
| 8 | JPMorgan Chase Bank, National Association | $1.0M | 7 | 12.15% |
| 9 | American Business Bank | $1.0M | 1 | 11% |
| 10 | FFB Bank | $750K | 1 | 10% |
The top lenders in Huntington Beach have direct experience with local businesses and understand the Huntington Beach 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 Huntington Beach 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 Huntington Beach
One 5-minute application. 27+ lenders competing for your deal. GoSBA matches you to the best fit — free, no obligation.
Top Industries Funded in Huntington Beach
These are the industries that received the most SBA 7(a) funding in Huntington Beach 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 |
|---|---|---|
| Metal Coating, Engraving (except Jewelry and Silverware), and Allied S | 2 | $4.9M |
| Hotels (except Casino Hotels) and Motels | 1 | $2.5M |
| Plumbing, Heating, and Air-Conditioning Contractors | 3 | $2.0M |
| Fitness and Recreational Sports Centers | 3 | $1.8M |
| Computer Facilities Management Services | 1 | $1.8M |
| Offices of All Other Miscellaneous Health Practitioners | 3 | $948K |
| Wholesale Trade Agents and Brokers | 2 | $750K |
| Offices of Dentists | 1 | $720K |
| Other Personal Care Services | 1 | $700K |
| Limited-Service Restaurants | 3 | $570K |
Lenders with experience funding your specific industry in Huntington Beach 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 Huntington Beach
Option 1: Apply directly to one of the top Huntington Beach 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 Huntington Beach-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.
