Best SBA Lenders in Carson, CA (2026)
2025 FOIA data: top lenders, rates & industries for Carson SBA loans
SBA Loans in Carson, California
Looking for an SBA loan in Carson, California? Based on 2025 FOIA data, 25 SBA 7(a) loans were funded in Carson totaling $12.2M, supporting an estimated 290 jobs. With 15 active lenders competing for business in the Carson market, comparing offers is essential to getting the best rate and terms.
The average SBA loan in Carson is $488K at an average rate of 10.23%. The top lender in Carson is Live Oak Banking Company, with the most-funded industry being Remediation Services. See all California SBA lenders for statewide rankings.
SBA Loans in Carson by Business Type
Whether you’re starting a new business in Carson, 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 Carson (0 loans funded in 2025), which tells you how comfortable local lenders are funding new ventures without established operating history. Business acquisitions account for 62% (5 loans) — if you’re looking to buy a business in Carson, this is a proven use case for SBA financing. Existing businesses make up 34% and typically receive the most favorable terms.
Top SBA Lenders in Carson, CA (2025 Data)
The table below ranks every SBA 7(a) lender that funded loans to Carson 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 | $4.3M | 3 | 9% |
| 2 | U.S. Bank, National Association | $2.5M | 6 | 10.16% |
| 3 | Northeast Bank | $937K | 4 | 11.19% |
| 4 | American Continental Bank | $935K | 1 | 8.5% |
| 5 | Byline Bank | $800K | 1 | 10.25% |
| 6 | Mission Valley Bank | $617K | 1 | 9.5% |
| 7 | Woori America Bank | $500K | 1 | 9.25% |
| 8 | Readycap Lending, LLC | $350K | 1 | 10.25% |
| 9 | Newtek Bank, National Association | $325K | 1 | 10.5% |
| 10 | Lendistry SBLC, LLC | $300K | 1 | 12% |
The top lenders in Carson have direct experience with local businesses and understand the Carson 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 Carson 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 Carson
One 5-minute application. 15+ lenders competing for your deal. GoSBA matches you to the best fit — free, no obligation.
Top Industries Funded in Carson
These are the industries that received the most SBA 7(a) funding in Carson 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 |
|---|---|---|
| Remediation Services | 2 | $4.0M |
| Plumbing and Heating Equipment and Supplies (Hydronics) Merchant Whole | 2 | $2.4M |
| Advertising Agencies | 1 | $800K |
| Limited-Service Restaurants | 1 | $617K |
| Child Day Care Services | 2 | $367K |
| Plumbing, Heating, and Air-Conditioning Contractors | 1 | $337K |
| Automotive Glass Replacement Shops | 1 | $325K |
| General Freight Trucking, Local | 1 | $300K |
| General Line Grocery Merchant Wholesalers | 1 | $300K |
| Automotive Body, Paint, and Interior Repair and Maintenance | 1 | $200K |
Lenders with experience funding your specific industry in Carson 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 Carson
Option 1: Apply directly to one of the top Carson 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 Carson-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.
