Best SBA Lenders in Costa Mesa, CA (2026)
2025 FOIA data: top lenders, rates & industries for Costa Mesa SBA loans
SBA Loans in Costa Mesa, California
Looking for an SBA loan in Costa Mesa, California? Based on 2025 FOIA data, 68 SBA 7(a) loans were funded in Costa Mesa totaling $23.2M, supporting an estimated 614 jobs. With 27 active lenders competing for business in the Costa Mesa market, comparing offers is essential to getting the best rate and terms.
The average SBA loan in Costa Mesa is $341K at an average rate of 10.59%. The top lender in Costa Mesa is Newtek Bank, National Association, with the most-funded industry being Plumbing, Heating, and Air-Conditioning Contractors. See all California SBA lenders for statewide rankings.
SBA Loans in Costa Mesa by Business Type
Whether you’re starting a new business in Costa Mesa, buying an existing one, or expanding your current operation, here’s how SBA lending breaks down in your market:
Startups represent 16% of SBA loans in Costa Mesa (7 loans funded in 2025), which tells you how comfortable local lenders are funding new ventures without established operating history. Business acquisitions account for 23% (8 loans) — if you’re looking to buy a business in Costa Mesa, this is a proven use case for SBA financing. Existing businesses make up 53% and typically receive the most favorable terms.
Top SBA Lenders in Costa Mesa, CA (2025 Data)
The table below ranks every SBA 7(a) lender that funded loans to Costa Mesa businesses in 2025, ordered by total dollar volume. This data comes directly from SBA FOIA records:
| # | Lender | Volume | Loans | Avg Rate |
|---|---|---|---|---|
| 1 | Newtek Bank, National Association | $2.4M | 6 | 11.29% |
| 2 | U.S. Bank, National Association | $2.2M | 8 | 9.69% |
| 3 | JPMorgan Chase Bank, National Association | $2.1M | 6 | 11.45% |
| 4 | Live Oak Banking Company | $2.0M | 2 | 10.82% |
| 5 | City National Bank | $2.0M | 4 | 9.12% |
| 6 | First Internet Bank of Indiana | $1.6M | 2 | 10.25% |
| 7 | Northeast Bank | $1.3M | 6 | 10.88% |
| 8 | Heritage Bank Inc | $1.3M | 1 | 10.5% |
| 9 | The Huntington National Bank | $1.0M | 4 | 9.88% |
| 10 | Zions Bank, A Division of | $855K | 1 | 8% |
The top lenders in Costa Mesa have direct experience with local businesses and understand the Costa Mesa 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 Costa Mesa 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 Costa Mesa
One 5-minute application. 27+ lenders competing for your deal. GoSBA matches you to the best fit — free, no obligation.
Top Industries Funded in Costa Mesa
These are the industries that received the most SBA 7(a) funding in Costa Mesa 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 |
|---|---|---|
| Plumbing, Heating, and Air-Conditioning Contractors | 4 | $2.8M |
| Caterers | 1 | $1.9M |
| Painting and Wall Covering Contractors | 2 | $1.6M |
| Snack and Nonalcoholic Beverage Bars | 2 | $1.4M |
| Used Car Dealers | 2 | $1.4M |
| Home Health Care Services | 1 | $1.1M |
| Baked Goods Stores | 1 | $1.0M |
| All Other Specialty Trade Contractors | 2 | $980K |
| Other Building Finishing Contractors | 2 | $980K |
| Fitness and Recreational Sports Centers | 3 | $788K |
Lenders with experience funding your specific industry in Costa Mesa 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 Costa Mesa
Option 1: Apply directly to one of the top Costa Mesa 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 Costa Mesa-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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Can I get an SBA loan to start a business in Costa Mesa?
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Data from SBA 7(a) FOIA records, Calendar Year 2025. Visit sba.gov for official info.
