Best SBA Lenders in La Jolla, CA (2026)
2025 FOIA data: top lenders, rates & industries for La Jolla SBA loans
SBA Loans in La Jolla, California
Looking for an SBA loan in La Jolla, California? Based on 2025 FOIA data, 23 SBA 7(a) loans were funded in La Jolla totaling $10.0M, supporting an estimated 160 jobs. With 12 active lenders competing for business in the La Jolla market, comparing offers is essential to getting the best rate and terms.
The average SBA loan in La Jolla is $435K at an average rate of 9.63%. The top lender in La Jolla is U.S. Bank, National Association, with the most-funded industry being Custom Computer Programming Services. See all California SBA lenders for statewide rankings.
SBA Loans in La Jolla by Business Type
Whether you’re starting a new business in La Jolla, buying an existing one, or expanding your current operation, here’s how SBA lending breaks down in your market:
Startups represent 4% of SBA loans in La Jolla (2 loans funded in 2025), which tells you how comfortable local lenders are funding new ventures without established operating history. Business acquisitions account for 14% (4 loans) — if you’re looking to buy a business in La Jolla, this is a proven use case for SBA financing. Existing businesses make up 62% and typically receive the most favorable terms.
Top SBA Lenders in La Jolla, CA (2025 Data)
The table below ranks every SBA 7(a) lender that funded loans to La Jolla businesses in 2025, ordered by total dollar volume. This data comes directly from SBA FOIA records:
| # | Lender | Volume | Loans | Avg Rate |
|---|---|---|---|---|
| 1 | U.S. Bank, National Association | $3.0M | 2 | 8.63% |
| 2 | Zions Bank, A Division of | $1.7M | 5 | 9.19% |
| 3 | The Huntington National Bank | $1.6M | 4 | 9.37% |
| 4 | CDC Small Business Finance Corp. | $850K | 3 | 10.67% |
| 5 | First Savings Bank | $803K | 2 | 9.62% |
| 6 | City National Bank | $740K | 1 | 5.49% |
| 7 | Live Oak Banking Company | $491K | 1 | 10.49% |
| 8 | First Bank of Central Ohio | $435K | 1 | 10.75% |
| 9 | Mortgage Capital Development Corporation | $150K | 1 | 10.25% |
| 10 | JPMorgan Chase Bank, National Association | $111K | 1 | 12.7% |
The top lenders in La Jolla have direct experience with local businesses and understand the La Jolla 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 La Jolla 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 La Jolla
One 5-minute application. 12+ lenders competing for your deal. GoSBA matches you to the best fit — free, no obligation.
Top Industries Funded in La Jolla
These are the industries that received the most SBA 7(a) funding in La Jolla 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 |
|---|---|---|
| Custom Computer Programming Services | 2 | $1.3M |
| Offices of Physicians (except Mental Health Specialists) | 2 | $1.2M |
| Offices of Dentists | 1 | $740K |
| Snack and Nonalcoholic Beverage Bars | 3 | $551K |
| Offices of Optometrists | 1 | $491K |
| Other Building Finishing Contractors | 1 | $350K |
| Home Health Care Services | 1 | $150K |
| Engineering Services | 1 | $150K |
| Limited-Service Restaurants | 1 | $135K |
| Other Personal Care Services | 1 | $50K |
Lenders with experience funding your specific industry in La Jolla 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 La Jolla
Option 1: Apply directly to one of the top La Jolla 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 La Jolla-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.
