Best San Diego, CA SBA Lenders & Rates of 2026

Compare 52 SBA lenders in San Diego, CA. $149.2M funded across 384 businesses. Average rate 10.42%. Get matched free.

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Best San Diego, CA SBA Lenders & Rates of 2026

$149.2M
Total Funded

384
Loans Approved

$389K
Avg Loan Size

10.42%
Avg Interest Rate

52
Active Lenders

SBA Loans in San Diego, CA

San Diego, CA businesses received $149.2M in SBA 7(a) loan approvals across 384 businesses in 2025. With 52 active SBA lenders competing for business in San Diego, understanding which banks offer the best rates can save you tens of thousands of dollars.

💡 Key Insight: The average SBA loan in San Diego is $389K, with rates averaging 10.42%. Rates vary significantly by lender—comparing offers can save you $50,000+ over the life of your loan.

San Diego SBA Loans by Business Type

🚀 Startups
17%
$21.0M • 67 loans

🏢 Existing Businesses
76%
$94.6M • 291 loans

🔄 Acquisitions
7%
$33.6M • 26 loans

Top SBA Lenders in San Diego, CA (2025)

Based on official SBA data analyzed by GoSBA Loans, these are the banks that funded the most SBA 7(a) loans to San Diego businesses:

RankLenderVolumeLoansAvg Rate
1 Live Oak Banking Company$26.0M199.14%
2 U.S. Bank, National Association$14.7M529.79%
3 Northeast Bank$11.1M6311.03%
4 Byline Bank$8.7M410.25%
5 Zions Bank, A Division of$8.2M309.63%
6 Newtek Bank, National Association$7.5M3210.86%
7 The Huntington National Bank$5.6M199.97%
8 Bank of America, National Association$4.9M138.58%
9 The Bancorp Bank National Association$4.1M28.75%
10 JPMorgan Chase Bank, National Association$4.0M1710.85%
11 Readycap Lending, LLC$3.6M1312.40%
12 Commercial Bank of California$3.3M39.83%
13 First Internet Bank of Indiana$3.0M29.50%
14 CalPrivate Bank$2.8M310.17%
15 Harvest Small Business Finance, LLC$2.6M39.50%
16 Pathward National Association$2.5M19.75%
17 Celtic Bank Corporation$2.3M1310.54%
18 Plumas Bank$2.3M48.25%
19 Grow America Fund, Incorporated$2.3M210.00%
20 CDC Small Business Finance Corp.$2.2M1210.44%
21 Enterprise Bank & Trust$2.2M28.00%
22 b1BANK$2.0M110.50%
23 American Business Bank$1.9M19.50%
24 BayFirst National Bank$1.8M1312.27%
25 US Metro Bank$1.7M19.00%
26 Integro Bank$1.7M110.00%
27 Community Bank & Trust-West Georgia$1.6M110.00%
28 Cadence Bank$1.5M510.15%
29 City National Bank$1.5M15.49%
30 Beneficial State Bank$1.5M17.65%
31 Lendistry SBLC, LLC$1.2M712.64%
32 CenTrust Bank, A Division of SmartBiz Bank National Associat$1.1M511.25%
33 Citizens Bank$884K210.00%
34 Neighborhood National Bank$880K39.33%
35 Grasshopper Bank National Association$850K211.25%
36 Bank of Hope$800K29.38%
37 CRF Small Business Loan Company, LLC$641K110.25%
38 Capital One, National Association$625K28.85%
39 Bankwell Bank$500K110.50%
40 First Bank of the Lake$450K313.50%
41 AMPAC Tri-State CDC, Inc.$350K413.75%
42 Summit State Bank$326K110.25%
43 Western Alliance Bank$315K19.00%
44 Heritage Bank Inc$300K211.25%
45 East West Bank$200K19.50%
46 Stone Bank$150K110.50%
47 Webster Bank National Association$141K19.25%
48 Banner Bank$120K39.00%
49 California Statewide Certified Development Corporation$115K18.00%
50 Columbia Bank$86K212.50%

Top Industries in San Diego

Here are the industries that received the most SBA funding in San Diego:

Full-Service Restaurants

$13.6M
Volume

23
Loans

Engineering Services

$8.5M
Volume

11
Loans

Offices of Lawyers

$5.3M
Volume

11
Loans

Offices of Dentists

$4.4M
Volume

6
Loans

Caterers

$4.4M
Volume

4
Loans

Electrical Contractors

$3.9M
Volume

5
Loans

Other Accounting Services

$2.8M
Volume

6
Loans

SBA Loans in California

San Diego is part of California‘s SBA lending market. For statewide data and more lender options, see our full California SBA Lenders guide.

🤝 Why Use an SBA Broker in San Diego?

GoSBA Loans helps San Diego businesses access the best SBA lenders:

  • Access 52+ lenders — including many that don’t accept direct applications
  • Local market expertise — we know which lenders are most active in San Diego
  • Rate comparison — get competing offers to secure the best terms
  • Free service — lenders pay us, you pay nothing extra

📞 Get Expert Help with Your San Diego SBA Loan

Our team has helped hundreds of San Diego businesses secure SBA financing. Let us match you with the right lender.

Looking for SBA loan help in San Diego? GoSBA Loans is a trusted SBA loan broker serving businesses in San Diego and across California. Contact our San Diego SBA specialists today for a free consultation.

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Ishan Jetley

Ishan Jetley is the owner of GoSBA Loans. I have assisted 100's of businesses with their business loans. I specialize in SBA financing for working capital, real estate and business acquisitions.
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