Best SBA Lenders in Fremont, CA (2026)
2025 FOIA data: top lenders, rates & industries for Fremont SBA loans
SBA Loans in Fremont, California
Looking for an SBA loan in Fremont, California? Based on 2025 FOIA data, 49 SBA 7(a) loans were funded in Fremont totaling $28.4M, supporting an estimated 304 jobs. With 22 active lenders competing for business in the Fremont market, comparing offers is essential to getting the best rate and terms.
The average SBA loan in Fremont is $580K at an average rate of 10.36%. The top lender in Fremont is US Metro Bank, with the most-funded industry being Hotels (except Casino Hotels) and Motels. See all California SBA lenders for statewide rankings.
SBA Loans in Fremont by Business Type
Whether you’re starting a new business in Fremont, buying an existing one, or expanding your current operation, here’s how SBA lending breaks down in your market:
Startups represent 25% of SBA loans in Fremont (9 loans funded in 2025), which tells you how comfortable local lenders are funding new ventures without established operating history. Business acquisitions account for 8% (2 loans) — if you’re looking to buy a business in Fremont, this is a proven use case for SBA financing. Existing businesses make up 48% and typically receive the most favorable terms.
Top SBA Lenders in Fremont, CA (2025 Data)
The table below ranks every SBA 7(a) lender that funded loans to Fremont businesses in 2025, ordered by total dollar volume. This data comes directly from SBA FOIA records:
| # | Lender | Volume | Loans | Avg Rate |
|---|---|---|---|---|
| 1 | US Metro Bank | $5.8M | 2 | 9.88% |
| 2 | Bank of America, National Association | $4.4M | 2 | 9.62% |
| 3 | Live Oak Banking Company | $2.5M | 3 | 9.83% |
| 4 | Fremont Bank | $2.3M | 1 | 8.5% |
| 5 | First Bank of the Lake | $2.1M | 1 | 9.75% |
| 6 | Harvest Small Business Finance, LLC | $1.9M | 2 | 10.38% |
| 7 | Northeast Bank | $1.8M | 9 | 10.58% |
| 8 | U.S. Bank, National Association | $1.3M | 7 | 10.38% |
| 9 | JPMorgan Chase Bank, National Association | $1.2M | 2 | 9.68% |
| 10 | Newtek Bank, National Association | $1.1M | 4 | 10.62% |
The top lenders in Fremont have direct experience with local businesses and understand the Fremont 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 Fremont 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 Fremont
One 5-minute application. 22+ lenders competing for your deal. GoSBA matches you to the best fit — free, no obligation.
Top Industries Funded in Fremont
These are the industries that received the most SBA 7(a) funding in Fremont 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 |
|---|---|---|
| Hotels (except Casino Hotels) and Motels | 1 | $5.0M |
| Sports and Recreation Instruction | 1 | $3.9M |
| Painting and Wall Covering Contractors | 2 | $2.3M |
| Educational Support Services | 1 | $2.3M |
| Amusement Arcades | 1 | $2.1M |
| Couriers | 2 | $1.2M |
| Industrial Building Construction | 2 | $1.2M |
| Offices of Dentists | 2 | $1.1M |
| Other Accounting Services | 1 | $971K |
| Other Personal Care Services | 1 | $685K |
Lenders with experience funding your specific industry in Fremont 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 Fremont
Option 1: Apply directly to one of the top Fremont 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 Fremont-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.
