Best SBA Lenders in Napa, CA (2026)
2025 FOIA data: top lenders, rates & industries for Napa SBA loans
SBA Loans in Napa, California
Looking for an SBA loan in Napa, California? Based on 2025 FOIA data, 30 SBA 7(a) loans were funded in Napa totaling $16.4M, supporting an estimated 260 jobs. With 19 active lenders competing for business in the Napa market, comparing offers is essential to getting the best rate and terms.
The average SBA loan in Napa is $547K at an average rate of 11%. The top lender in Napa is Mission Valley Bank, with the most-funded industry being Child Day Care Services. See all California SBA lenders for statewide rankings.
SBA Loans in Napa by Business Type
Whether you’re starting a new business in Napa, buying an existing one, or expanding your current operation, here’s how SBA lending breaks down in your market:
Startups represent 15% of SBA loans in Napa (6 loans funded in 2025), which tells you how comfortable local lenders are funding new ventures without established operating history. Business acquisitions account for 0% (0 loans) — if you’re looking to buy a business in Napa, 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 Napa, CA (2025 Data)
The table below ranks every SBA 7(a) lender that funded loans to Napa businesses in 2025, ordered by total dollar volume. This data comes directly from SBA FOIA records:
| # | Lender | Volume | Loans | Avg Rate |
|---|---|---|---|---|
| 1 | Mission Valley Bank | $4.7M | 1 | 8.75% |
| 2 | Commonwealth Business Bank | $4.1M | 1 | 9.5% |
| 3 | First Internet Bank of Indiana | $2.6M | 1 | 10.25% |
| 4 | Newtek Bank, National Association | $1.0M | 4 | 10.62% |
| 5 | Celtic Bank Corporation | $902K | 1 | 10% |
| 6 | Mortgage Capital Development Corporation | $500K | 2 | 10.25% |
| 7 | FWBank | $491K | 1 | 10% |
| 8 | BayFirst National Bank | $450K | 3 | 12.5% |
| 9 | Leader Bank, National Association | $373K | 1 | 10.75% |
| 10 | Northeast Bank | $332K | 3 | 10.25% |
The top lenders in Napa have direct experience with local businesses and understand the Napa 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 Napa 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 Napa
One 5-minute application. 19+ lenders competing for your deal. GoSBA matches you to the best fit — free, no obligation.
Top Industries Funded in Napa
These are the industries that received the most SBA 7(a) funding in Napa 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 |
|---|---|---|
| Child Day Care Services | 2 | $8.8M |
| Landscaping Services | 1 | $2.6M |
| Full-Service Restaurants | 1 | $902K |
| Snack and Nonalcoholic Beverage Bars | 2 | $550K |
| Other Personal Care Services | 1 | $491K |
| Limited-Service Restaurants | 1 | $373K |
| Offices of All Other Miscellaneous Health Practitioners | 3 | $366K |
| Coffee and Tea Manufacturing | 1 | $350K |
| Fine Arts Schools | 1 | $350K |
| New Single-Family Housing Construction (except Operative Builders) | 2 | $300K |
Lenders with experience funding your specific industry in Napa 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 Napa
Option 1: Apply directly to one of the top Napa 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 Napa-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.
