Best SBA Lenders in Commerce, CA (2026)
2025 FOIA data: top lenders, rates & industries for Commerce SBA loans
SBA Loans in Commerce, California
Looking for an SBA loan in Commerce, California? Based on 2025 FOIA data, 14 SBA 7(a) loans were funded in Commerce totaling $20.9M, supporting an estimated 149 jobs. With 10 active lenders competing for business in the Commerce market, comparing offers is essential to getting the best rate and terms.
The average SBA loan in Commerce is $1.5M at an average rate of 10.71%. The top lender in Commerce is CalPrivate Bank, with the most-funded industry being Piece Goods, Notions, and Other Dry Goods Merchant Wholesalers. See all California SBA lenders for statewide rankings.
SBA Loans in Commerce by Business Type
Whether you’re starting a new business in Commerce, 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 Commerce (0 loans funded in 2025), which tells you how comfortable local lenders are funding new ventures without established operating history. Business acquisitions account for 0% (0 loans) — if you’re looking to buy a business in Commerce, this is a proven use case for SBA financing. Existing businesses make up 96% and typically receive the most favorable terms.
Top SBA Lenders in Commerce, CA (2025 Data)
The table below ranks every SBA 7(a) lender that funded loans to Commerce businesses in 2025, ordered by total dollar volume. This data comes directly from SBA FOIA records:
| # | Lender | Volume | Loans | Avg Rate |
|---|---|---|---|---|
| 1 | CalPrivate Bank | $14.6M | 3 | 10% |
| 2 | Live Oak Banking Company | $2.3M | 1 | 6.5% |
| 3 | Harvest Small Business Finance, LLC | $1.2M | 1 | 9.5% |
| 4 | Mission Valley Bank | $824K | 1 | 9.5% |
| 5 | Readycap Lending, LLC | $525K | 1 | 10.5% |
| 6 | JPMorgan Chase Bank, National Association | $500K | 1 | 8.5% |
| 7 | Bank of Hope | $500K | 1 | 10% |
| 8 | Lendistry SBLC, LLC | $215K | 2 | 12.75% |
| 9 | BayFirst National Bank | $150K | 1 | 12.75% |
| 10 | Northeast Bank | $117K | 2 | 13.62% |
The top lenders in Commerce have direct experience with local businesses and understand the Commerce 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 Commerce 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 Commerce
One 5-minute application. 10+ lenders competing for your deal. GoSBA matches you to the best fit — free, no obligation.
Top Industries Funded in Commerce
These are the industries that received the most SBA 7(a) funding in Commerce 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 |
|---|---|---|
| Piece Goods, Notions, and Other Dry Goods Merchant Wholesalers | 2 | $9.6M |
| Industrial and Personal Service Paper Merchant Wholesalers | 1 | $5.0M |
| All Other Professional, Scientific, and Technical Services | 1 | $1.2M |
| Wholesale Trade Agents and Brokers | 2 | $550K |
| General Line Grocery Merchant Wholesalers | 1 | $525K |
| Nonupholstered Wood Household Furniture Manufacturing | 1 | $500K |
| Commercial Photography | 1 | $128K |
| General Freight Trucking, Local | 1 | $88K |
| All Other Amusement and Recreation Industries | 1 | $67K |
Lenders with experience funding your specific industry in Commerce 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 Commerce
Option 1: Apply directly to one of the top Commerce 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 Commerce-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.
