Best SBA Lenders in Folsom, CA (2026)
2025 FOIA data: top lenders, rates & industries for Folsom SBA loans
SBA Loans in Folsom, California
Looking for an SBA loan in Folsom, California? Based on 2025 FOIA data, 35 SBA 7(a) loans were funded in Folsom totaling $14.2M, supporting an estimated 257 jobs. With 16 active lenders competing for business in the Folsom market, comparing offers is essential to getting the best rate and terms.
The average SBA loan in Folsom is $405K at an average rate of 10.1%. The top lender in Folsom is The Huntington National Bank, with the most-funded industry being All Other Amusement and Recreation Industries. See all California SBA lenders for statewide rankings.
SBA Loans in Folsom by Business Type
Whether you’re starting a new business in Folsom, buying an existing one, or expanding your current operation, here’s how SBA lending breaks down in your market:
Startups represent 22% of SBA loans in Folsom (7 loans funded in 2025), which tells you how comfortable local lenders are funding new ventures without established operating history. Business acquisitions account for 15% (4 loans) — if you’re looking to buy a business in Folsom, this is a proven use case for SBA financing. Existing businesses make up 42% and typically receive the most favorable terms.
Top SBA Lenders in Folsom, CA (2025 Data)
The table below ranks every SBA 7(a) lender that funded loans to Folsom businesses in 2025, ordered by total dollar volume. This data comes directly from SBA FOIA records:
| # | Lender | Volume | Loans | Avg Rate |
|---|---|---|---|---|
| 1 | The Huntington National Bank | $3.0M | 7 | 9.43% |
| 2 | Live Oak Banking Company | $1.8M | 2 | 8.5% |
| 3 | Readycap Lending, LLC | $1.6M | 2 | 10.25% |
| 4 | T Bank, National Association | $1.4M | 1 | 10% |
| 5 | Royal Business Bank | $1.4M | 1 | 9.75% |
| 6 | Banner Bank | $1.3M | 4 | 8.81% |
| 7 | Wells Fargo Bank National Association | $1.0M | 2 | 7.61% |
| 8 | Newtek Bank, National Association | $700K | 3 | 11.67% |
| 9 | First Utah Bank | $564K | 1 | 10.5% |
| 10 | JPMorgan Chase Bank, National Association | $500K | 2 | 11.4% |
The top lenders in Folsom have direct experience with local businesses and understand the Folsom 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 Folsom 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 Folsom
One 5-minute application. 16+ lenders competing for your deal. GoSBA matches you to the best fit — free, no obligation.
Top Industries Funded in Folsom
These are the industries that received the most SBA 7(a) funding in Folsom 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 |
|---|---|---|
| All Other Amusement and Recreation Industries | 3 | $2.1M |
| Limited-Service Restaurants | 2 | $1.9M |
| Flooring Contractors | 2 | $1.4M |
| Services for the Elderly and Persons with Disabilities | 1 | $1.4M |
| Offices of Dentists | 1 | $1.3M |
| Offices of Physicians (except Mental Health Specialists) | 3 | $1.1M |
| Photography Studios, Portrait | 1 | $564K |
| Offices of Lawyers | 3 | $550K |
| Commercial and Institutional Building Construction | 1 | $510K |
| Plumbing, Heating, and Air-Conditioning Contractors | 1 | $500K |
Lenders with experience funding your specific industry in Folsom 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 Folsom
Option 1: Apply directly to one of the top Folsom 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 Folsom-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.
