Best SBA Lenders in Apple Valley, CA (2026)
2025 FOIA data: top lenders, rates & industries for Apple Valley SBA loans
SBA Loans in Apple Valley, California
Looking for an SBA loan in Apple Valley, California? Based on 2025 FOIA data, 22 SBA 7(a) loans were funded in Apple Valley totaling $11.8M, supporting an estimated 141 jobs. With 15 active lenders competing for business in the Apple Valley market, comparing offers is essential to getting the best rate and terms.
The average SBA loan in Apple Valley is $536K at an average rate of 10.39%. The top lender in Apple Valley is Open Bank, with the most-funded industry being Offices of Physicians (except Mental Health Specialists). See all California SBA lenders for statewide rankings.
SBA Loans in Apple Valley by Business Type
Whether you’re starting a new business in Apple Valley, 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 Apple Valley (0 loans funded in 2025), which tells you how comfortable local lenders are funding new ventures without established operating history. Business acquisitions account for 44% (3 loans) — if you’re looking to buy a business in Apple Valley, this is a proven use case for SBA financing. Existing businesses make up 24% and typically receive the most favorable terms.
Top SBA Lenders in Apple Valley, CA (2025 Data)
The table below ranks every SBA 7(a) lender that funded loans to Apple Valley businesses in 2025, ordered by total dollar volume. This data comes directly from SBA FOIA records:
| # | Lender | Volume | Loans | Avg Rate |
|---|---|---|---|---|
| 1 | Open Bank | $4.3M | 1 | 8.5% |
| 2 | Pathward National Association | $3.1M | 2 | 9.25% |
| 3 | JPMorgan Chase Bank, National Association | $750K | 2 | 9.03% |
| 4 | America First FCU | $734K | 1 | 7.75% |
| 5 | American Continental Bank | $610K | 1 | 8.5% |
| 6 | Live Oak Banking Company | $475K | 1 | 9.99% |
| 7 | The Huntington National Bank | $343K | 1 | 10.5% |
| 8 | AMPAC Tri-State CDC, Inc. | $270K | 1 | 11% |
| 9 | Harvest Small Business Finance, LLC | $251K | 1 | 10.25% |
| 10 | U.S. Bank, National Association | $175K | 5 | 10.79% |
The top lenders in Apple Valley have direct experience with local businesses and understand the Apple Valley 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 Apple Valley 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 Apple Valley
One 5-minute application. 15+ lenders competing for your deal. GoSBA matches you to the best fit — free, no obligation.
Top Industries Funded in Apple Valley
These are the industries that received the most SBA 7(a) funding in Apple Valley 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 |
|---|---|---|
| Offices of Physicians (except Mental Health Specialists) | 2 | $750K |
| Homes for the Elderly | 1 | $610K |
| All Other Specialty Trade Contractors | 3 | $483K |
| Limited-Service Restaurants | 1 | $475K |
| Offices of Physical, Occupational and Speech Therapists, and Audiologi | 1 | $270K |
| Used Car Dealers | 1 | $251K |
| Residential Remodelers | 1 | $150K |
| Plumbing, Heating, and Air-Conditioning Contractors | 1 | $150K |
| Marketing Consulting Services | 1 | $140K |
| All Other Amusement and Recreation Industries | 1 | $50K |
Lenders with experience funding your specific industry in Apple Valley 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 Apple Valley
Option 1: Apply directly to one of the top Apple Valley 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 Apple Valley-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 Apple Valley in 2025?
Can I get an SBA loan to start a business in Apple Valley?
Who is the top SBA lender in Apple Valley?
What is the average SBA loan rate in Apple Valley?
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Data from SBA 7(a) FOIA records, Calendar Year 2025. Visit sba.gov for official info.
