Best SBA Lenders in Santa Fe Springs, CA (2026)
2025 FOIA data: top lenders, rates & industries for Santa Fe Springs SBA loans
SBA Loans in Santa Fe Springs, California
Looking for an SBA loan in Santa Fe Springs, California? Based on 2025 FOIA data, 34 SBA 7(a) loans were funded in Santa Fe Springs totaling $29.7M, supporting an estimated 262 jobs. With 19 active lenders competing for business in the Santa Fe Springs market, comparing offers is essential to getting the best rate and terms.
The average SBA loan in Santa Fe Springs is $874K at an average rate of 9.99%. The top lender in Santa Fe Springs is U.S. Bank, National Association, with the most-funded industry being Plumbing, Heating, and Air-Conditioning Contractors. See all California SBA lenders for statewide rankings.
SBA Loans in Santa Fe Springs by Business Type
Whether you’re starting a new business in Santa Fe Springs, buying an existing one, or expanding your current operation, here’s how SBA lending breaks down in your market:
Startups represent 1% of SBA loans in Santa Fe Springs (1 loans funded in 2025), which tells you how comfortable local lenders are funding new ventures without established operating history. Business acquisitions account for 3% (1 loans) — if you’re looking to buy a business in Santa Fe Springs, 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 Santa Fe Springs, CA (2025 Data)
The table below ranks every SBA 7(a) lender that funded loans to Santa Fe Springs 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 | $6.2M | 4 | 8.36% |
| 2 | Wells Fargo Bank National Association | $6.0M | 2 | 5.83% |
| 3 | Open Bank | $3.6M | 1 | 8.75% |
| 4 | Banc of California | $3.4M | 1 | 8% |
| 5 | CalPrivate Bank | $3.0M | 1 | 9.75% |
| 6 | First Internet Bank of Indiana | $1.5M | 1 | 10% |
| 7 | Northeast Bank | $1.2M | 5 | 10.85% |
| 8 | JPMorgan Chase Bank, National Association | $750K | 3 | 11.17% |
| 9 | Bank of Hope | $700K | 2 | 9.75% |
| 10 | VelocitySBA, LLC | $518K | 1 | 11% |
The top lenders in Santa Fe Springs have direct experience with local businesses and understand the Santa Fe Springs 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 Santa Fe Springs 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 Santa Fe Springs
One 5-minute application. 19+ lenders competing for your deal. GoSBA matches you to the best fit — free, no obligation.
Top Industries Funded in Santa Fe Springs
These are the industries that received the most SBA 7(a) funding in Santa Fe Springs 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 |
|---|---|---|
| Plumbing, Heating, and Air-Conditioning Contractors | 2 | $3.6M |
| Automotive Body, Paint, and Interior Repair and Maintenance | 1 | $3.2M |
| All Other Miscellaneous Wood Product Manufacturing | 1 | $3.0M |
| Commercial and Industrial Machinery and Equipment (except Automotive a | 1 | $2.8M |
| Conveyor and Conveying Equipment Manufacturing | 1 | $2.7M |
| General Freight Trucking, Local | 2 | $2.4M |
| Other Building Finishing Contractors | 1 | $1.5M |
| Industrial Mold Manufacturing | 1 | $973K |
| Wood Kitchen Cabinet and Countertop Manufacturing | 1 | $518K |
| All Other Professional, Scientific, and Technical Services | 1 | $500K |
Lenders with experience funding your specific industry in Santa Fe Springs 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 Santa Fe Springs
Option 1: Apply directly to one of the top Santa Fe Springs 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 Santa Fe Springs-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.
