Best SBA Lenders in Fullerton, CA (2026)
2025 FOIA data: top lenders, rates & industries for Fullerton SBA loans
SBA Loans in Fullerton, California
Looking for an SBA loan in Fullerton, California? Based on 2025 FOIA data, 45 SBA 7(a) loans were funded in Fullerton totaling $39.2M, supporting an estimated 684 jobs. With 23 active lenders competing for business in the Fullerton market, comparing offers is essential to getting the best rate and terms.
The average SBA loan in Fullerton is $870K at an average rate of 9.91%. The top lender in Fullerton is Bank of Hope, with the most-funded industry being Other Miscellaneous Durable Goods Merchant Wholesalers. See all California SBA lenders for statewide rankings.
SBA Loans in Fullerton by Business Type
Whether you’re starting a new business in Fullerton, buying an existing one, or expanding your current operation, here’s how SBA lending breaks down in your market:
Startups represent 1% of SBA loans in Fullerton (2 loans funded in 2025), which tells you how comfortable local lenders are funding new ventures without established operating history. Business acquisitions account for 22% (6 loans) — if you’re looking to buy a business in Fullerton, this is a proven use case for SBA financing. Existing businesses make up 68% and typically receive the most favorable terms.
Top SBA Lenders in Fullerton, CA (2025 Data)
The table below ranks every SBA 7(a) lender that funded loans to Fullerton businesses in 2025, ordered by total dollar volume. This data comes directly from SBA FOIA records:
| # | Lender | Volume | Loans | Avg Rate |
|---|---|---|---|---|
| 1 | Bank of Hope | $8.0M | 8 | 8.97% |
| 2 | Centerstone SBA Lending, Inc. | $5.0M | 1 | 9.5% |
| 3 | City National Bank | $4.5M | 1 | 7.19% |
| 4 | Bank of America, National Association | $3.6M | 3 | 7.27% |
| 5 | Newtek Bank, National Association | $3.5M | 2 | 10.62% |
| 6 | Readycap Lending, LLC | $3.2M | 2 | 10.25% |
| 7 | JPMorgan Chase Bank, National Association | $3.0M | 2 | 10.69% |
| 8 | Live Oak Banking Company | $1.8M | 3 | 9.5% |
| 9 | U.S. Bank, National Association | $1.0M | 1 | 7.75% |
| 10 | Port 51 Lending LLC | $965K | 1 | 10.5% |
The top lenders in Fullerton have direct experience with local businesses and understand the Fullerton 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 Fullerton 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 Fullerton
One 5-minute application. 23+ lenders competing for your deal. GoSBA matches you to the best fit — free, no obligation.
Top Industries Funded in Fullerton
These are the industries that received the most SBA 7(a) funding in Fullerton 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 |
|---|---|---|
| Other Miscellaneous Durable Goods Merchant Wholesalers | 1 | $5.0M |
| Full-Service Restaurants | 5 | $4.4M |
| Lumber, Plywood, Millwork, and Wood Panel Merchant Wholesalers | 1 | $3.3M |
| Commercial and Institutional Building Construction | 1 | $2.9M |
| Homes for the Elderly | 3 | $2.6M |
| Roofing Contractors | 1 | $2.2M |
| Packaging and Labeling Services | 1 | $1.4M |
| Janitorial Services | 2 | $1.2M |
| Promoters of Performing Arts, Sports, and Similar Events with Faciliti | 1 | $965K |
| Baked Goods Stores | 1 | $950K |
Lenders with experience funding your specific industry in Fullerton 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 Fullerton
Option 1: Apply directly to one of the top Fullerton 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 Fullerton-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.
