Best SBA Lenders in Lancaster, CA (2026)
2025 FOIA data: top lenders, rates & industries for Lancaster SBA loans
SBA Loans in Lancaster, California
Looking for an SBA loan in Lancaster, California? Based on 2025 FOIA data, 30 SBA 7(a) loans were funded in Lancaster totaling $15.5M, supporting an estimated 343 jobs. With 21 active lenders competing for business in the Lancaster market, comparing offers is essential to getting the best rate and terms.
The average SBA loan in Lancaster is $516K at an average rate of 10.29%. The top lender in Lancaster is Beach Cities Commercial Bank, with the most-funded industry being Materials Recovery Facilities. See all California SBA lenders for statewide rankings.
SBA Loans in Lancaster by Business Type
Whether you’re starting a new business in Lancaster, buying an existing one, or expanding your current operation, here’s how SBA lending breaks down in your market:
Startups represent 7% of SBA loans in Lancaster (3 loans funded in 2025), which tells you how comfortable local lenders are funding new ventures without established operating history. Business acquisitions account for 14% (2 loans) — if you’re looking to buy a business in Lancaster, this is a proven use case for SBA financing. Existing businesses make up 71% and typically receive the most favorable terms.
Top SBA Lenders in Lancaster, CA (2025 Data)
The table below ranks every SBA 7(a) lender that funded loans to Lancaster businesses in 2025, ordered by total dollar volume. This data comes directly from SBA FOIA records:
| # | Lender | Volume | Loans | Avg Rate |
|---|---|---|---|---|
| 1 | Beach Cities Commercial Bank | $3.5M | 1 | 7.75% |
| 2 | Harvest Small Business Finance, LLC | $1.7M | 2 | 9.88% |
| 3 | Wells Fargo Bank National Association | $1.5M | 2 | 7.92% |
| 4 | First Internet Bank of Indiana | $1.2M | 1 | 10.25% |
| 5 | American Business Bank | $1.2M | 1 | 8.75% |
| 6 | Celtic Bank Corporation | $1.1M | 2 | 9.62% |
| 7 | US Metro Bank | $999K | 2 | 9.38% |
| 8 | CIBC Bank USA | $733K | 1 | 9.5% |
| 9 | Cadence Bank | $500K | 1 | 10.25% |
| 10 | Live Oak Banking Company | $500K | 1 | 9.99% |
The top lenders in Lancaster have direct experience with local businesses and understand the Lancaster 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 Lancaster 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 Lancaster
One 5-minute application. 21+ lenders competing for your deal. GoSBA matches you to the best fit — free, no obligation.
Top Industries Funded in Lancaster
These are the industries that received the most SBA 7(a) funding in Lancaster 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 |
|---|---|---|
| Materials Recovery Facilities | 1 | $3.5M |
| Commercial Gravure Printing | 2 | $1.5M |
| Child Day Care Services | 2 | $1.3M |
| General Freight Trucking, Long Distance, Truckload | 1 | $1.3M |
| Plumbing, Heating, and Air-Conditioning Contractors | 1 | $1.2M |
| All Other Automotive Repair and Maintenance | 1 | $1.0M |
| Services for the Elderly and Persons with Disabilities | 1 | $733K |
| Automotive Body, Paint, and Interior Repair and Maintenance | 1 | $719K |
| Full-Service Restaurants | 3 | $590K |
| Mechanical Power Transmission Equipment Manufacturing | 2 | $550K |
Lenders with experience funding your specific industry in Lancaster 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 Lancaster
Option 1: Apply directly to one of the top Lancaster 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 Lancaster-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.
