Best SBA Lenders in Concord, CA (2026)
2025 FOIA data: top lenders, rates & industries for Concord SBA loans
SBA Loans in Concord, California
Looking for an SBA loan in Concord, California? Based on 2025 FOIA data, 52 SBA 7(a) loans were funded in Concord totaling $31.6M, supporting an estimated 463 jobs. With 25 active lenders competing for business in the Concord market, comparing offers is essential to getting the best rate and terms.
The average SBA loan in Concord is $607K at an average rate of 10.34%. The top lender in Concord is Byline Bank, with the most-funded industry being Fitness and Recreational Sports Centers. See all California SBA lenders for statewide rankings.
SBA Loans in Concord by Business Type
Whether you’re starting a new business in Concord, buying an existing one, or expanding your current operation, here’s how SBA lending breaks down in your market:
Startups represent 18% of SBA loans in Concord (9 loans funded in 2025), which tells you how comfortable local lenders are funding new ventures without established operating history. Business acquisitions account for 17% (4 loans) — if you’re looking to buy a business in Concord, this is a proven use case for SBA financing. Existing businesses make up 50% and typically receive the most favorable terms.
Top SBA Lenders in Concord, CA (2025 Data)
The table below ranks every SBA 7(a) lender that funded loans to Concord businesses in 2025, ordered by total dollar volume. This data comes directly from SBA FOIA records:
| # | Lender | Volume | Loans | Avg Rate |
|---|---|---|---|---|
| 1 | Byline Bank | $3.9M | 1 | 10.25% |
| 2 | Citizens Bank | $3.9M | 2 | 9.75% |
| 3 | BMO Bank National Association | $3.6M | 2 | 5.53% |
| 4 | Newtek Bank, National Association | $2.9M | 4 | 11.44% |
| 5 | Community Bank & Trust-West Georgia | $2.8M | 1 | 10.25% |
| 6 | U.S. Bank, National Association | $2.4M | 3 | 9.01% |
| 7 | Northeast Bank | $1.9M | 9 | 10.58% |
| 8 | Mission Valley Bank | $1.7M | 1 | 9% |
| 9 | Bank of America, National Association | $1.6M | 1 | 5.6% |
| 10 | The Huntington National Bank | $1.1M | 6 | 9.83% |
The top lenders in Concord have direct experience with local businesses and understand the Concord 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 Concord 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 Concord
One 5-minute application. 25+ lenders competing for your deal. GoSBA matches you to the best fit — free, no obligation.
Top Industries Funded in Concord
These are the industries that received the most SBA 7(a) funding in Concord 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 |
|---|---|---|
| Fitness and Recreational Sports Centers | 6 | $5.0M |
| Administrative Management and General Management Consulting Services | 5 | $4.3M |
| Freestanding Ambulatory Surgical and Emergency Centers | 2 | $3.9M |
| Full-Service Restaurants | 3 | $3.6M |
| Other Miscellaneous Durable Goods Merchant Wholesalers | 1 | $2.4M |
| Computer Systems Design Services | 1 | $2.2M |
| Home Health Care Services | 1 | $1.7M |
| Electrical Contractors | 1 | $1.6M |
| Drywall and Insulation Contractors | 1 | $675K |
| Child Day Care Services | 2 | $558K |
Lenders with experience funding your specific industry in Concord 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 Concord
Option 1: Apply directly to one of the top Concord 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 Concord-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.
