Best SBA Lenders in Brea, CA (2026)
2025 FOIA data: top lenders, rates & industries for Brea SBA loans
SBA Loans in Brea, California
Looking for an SBA loan in Brea, California? Based on 2025 FOIA data, 39 SBA 7(a) loans were funded in Brea totaling $26.8M, supporting an estimated 508 jobs. With 24 active lenders competing for business in the Brea market, comparing offers is essential to getting the best rate and terms.
The average SBA loan in Brea is $688K at an average rate of 9.95%. The top lender in Brea is Live Oak Banking Company, with the most-funded industry being Plumbing, Heating, and Air-Conditioning Contractors. See all California SBA lenders for statewide rankings.
SBA Loans in Brea by Business Type
Whether you’re starting a new business in Brea, buying an existing one, or expanding your current operation, here’s how SBA lending breaks down in your market:
Startups represent 6% of SBA loans in Brea (4 loans funded in 2025), which tells you how comfortable local lenders are funding new ventures without established operating history. Business acquisitions account for 6% (1 loans) — if you’re looking to buy a business in Brea, this is a proven use case for SBA financing. Existing businesses make up 67% and typically receive the most favorable terms.
Top SBA Lenders in Brea, CA (2025 Data)
The table below ranks every SBA 7(a) lender that funded loans to Brea 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 | $3.8M | 1 | 6.4% |
| 2 | Readycap Lending, LLC | $3.3M | 1 | 10.25% |
| 3 | Wells Fargo Bank National Association | $3.2M | 1 | 5.56% |
| 4 | City National Bank | $2.6M | 2 | 6.24% |
| 5 | Newtek Bank, National Association | $2.1M | 2 | 10.5% |
| 6 | Hanmi Bank | $1.8M | 1 | 8.5% |
| 7 | Port 51 Lending LLC | $1.5M | 1 | 10.25% |
| 8 | Bank of America, National Association | $1.1M | 1 | 6.67% |
| 9 | Northeast Bank | $973K | 7 | 10.86% |
| 10 | The Huntington National Bank | $705K | 2 | 10.25% |
The top lenders in Brea have direct experience with local businesses and understand the Brea 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 Brea 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 Brea
One 5-minute application. 24+ lenders competing for your deal. GoSBA matches you to the best fit — free, no obligation.
Top Industries Funded in Brea
These are the industries that received the most SBA 7(a) funding in Brea 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 | $3.9M |
| All Other Amusement and Recreation Industries | 1 | $3.3M |
| Other Building Equipment Contractors | 1 | $3.2M |
| Dental Laboratories | 2 | $2.1M |
| Commercial and Industrial Machinery and Equipment (except Automotive a | 1 | $2.0M |
| Landscaping Services | 1 | $1.5M |
| Motor Vehicle Supplies and New Parts Merchant Wholesalers | 1 | $1.4M |
| Offices of Dentists | 1 | $1.1M |
| Beauty Salons | 4 | $1.1M |
| Limited-Service Restaurants | 2 | $1.0M |
Lenders with experience funding your specific industry in Brea 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 Brea
Option 1: Apply directly to one of the top Brea 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 Brea-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.
