Best SBA Lenders in Camarillo, CA (2026)
2025 FOIA data: top lenders, rates & industries for Camarillo SBA loans
SBA Loans in Camarillo, California
Looking for an SBA loan in Camarillo, California? Based on 2025 FOIA data, 33 SBA 7(a) loans were funded in Camarillo totaling $23.4M, supporting an estimated 449 jobs. With 20 active lenders competing for business in the Camarillo market, comparing offers is essential to getting the best rate and terms.
The average SBA loan in Camarillo is $709K at an average rate of 10.56%. The top lender in Camarillo is Live Oak Banking Company, with the most-funded industry being Offices of Physicians (except Mental Health Specialists). See all California SBA lenders for statewide rankings.
SBA Loans in Camarillo by Business Type
Whether you’re starting a new business in Camarillo, 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 Camarillo (0 loans funded in 2025), which tells you how comfortable local lenders are funding new ventures without established operating history. Business acquisitions account for 10% (3 loans) — if you’re looking to buy a business in Camarillo, this is a proven use case for SBA financing. Existing businesses make up 82% and typically receive the most favorable terms.
Top SBA Lenders in Camarillo, CA (2025 Data)
The table below ranks every SBA 7(a) lender that funded loans to Camarillo 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 | $5.0M | 1 | 7% |
| 2 | Pinnacle Bank | $4.7M | 1 | 9% |
| 3 | Newtek Bank, National Association | $2.4M | 4 | 11.5% |
| 4 | First Internet Bank of Indiana | $2.0M | 1 | 10% |
| 5 | Lendistry SBLC, LLC | $1.6M | 3 | 11.58% |
| 6 | First Bank of Central Ohio | $1.0M | 1 | 10.25% |
| 7 | Readycap Lending, LLC | $930K | 3 | 10.42% |
| 8 | Community West Bank | $781K | 1 | 8.5% |
| 9 | Celtic Bank Corporation | $739K | 1 | 10% |
| 10 | Bank of Hope | $595K | 1 | 9.25% |
The top lenders in Camarillo have direct experience with local businesses and understand the Camarillo 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 Camarillo 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 Camarillo
One 5-minute application. 20+ lenders competing for your deal. GoSBA matches you to the best fit — free, no obligation.
Top Industries Funded in Camarillo
These are the industries that received the most SBA 7(a) funding in Camarillo 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) | 1 | $5.0M |
| All Other Professional, Scientific, and Technical Services | 1 | $4.7M |
| All Other Specialty Trade Contractors | 1 | $2.0M |
| Promoters of Performing Arts, Sports, and Similar Events without Facil | 2 | $1.8M |
| Plumbing, Heating, and Air-Conditioning Contractors | 2 | $1.6M |
| Limited-Service Restaurants | 3 | $1.3M |
| Automobile and Other Motor Vehicle Merchant Wholesalers | 1 | $1.0M |
| Fitness and Recreational Sports Centers | 1 | $781K |
| General Automotive Repair | 2 | $652K |
| Snack and Nonalcoholic Beverage Bars | 1 | $595K |
Lenders with experience funding your specific industry in Camarillo 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 Camarillo
Option 1: Apply directly to one of the top Camarillo 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 Camarillo-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.
