Best SBA Lenders in Oxnard, CA (2026)
2025 FOIA data: top lenders, rates & industries for Oxnard SBA loans
SBA Loans in Oxnard, California
Looking for an SBA loan in Oxnard, California? Based on 2025 FOIA data, 28 SBA 7(a) loans were funded in Oxnard totaling $13.8M, supporting an estimated 221 jobs. With 14 active lenders competing for business in the Oxnard market, comparing offers is essential to getting the best rate and terms.
The average SBA loan in Oxnard is $492K at an average rate of 10.5%. The top lender in Oxnard is Port 51 Lending LLC, with the most-funded industry being Fats and Oils Refining and Blending. See all California SBA lenders for statewide rankings.
SBA Loans in Oxnard by Business Type
Whether you’re starting a new business in Oxnard, 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 Oxnard (2 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 Oxnard, this is a proven use case for SBA financing. Existing businesses make up 72% and typically receive the most favorable terms.
Top SBA Lenders in Oxnard, CA (2025 Data)
The table below ranks every SBA 7(a) lender that funded loans to Oxnard businesses in 2025, ordered by total dollar volume. This data comes directly from SBA FOIA records:
| # | Lender | Volume | Loans | Avg Rate |
|---|---|---|---|---|
| 1 | Port 51 Lending LLC | $5.0M | 2 | 9.62% |
| 2 | Live Oak Banking Company | $2.3M | 1 | 7.75% |
| 3 | U.S. Bank, National Association | $1.9M | 7 | 9.95% |
| 4 | Northeast Bank | $950K | 3 | 11.08% |
| 5 | US Metro Bank | $910K | 1 | 8.75% |
| 6 | City National Bank | $690K | 2 | 8.48% |
| 7 | Readycap Lending, LLC | $625K | 4 | 13.19% |
| 8 | JPMorgan Chase Bank, National Association | $450K | 1 | 11% |
| 9 | Bank of America, National Association | $300K | 1 | 10.5% |
| 10 | Cadence Bank | $225K | 1 | 10.25% |
The top lenders in Oxnard have direct experience with local businesses and understand the Oxnard 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 Oxnard 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 Oxnard
One 5-minute application. 14+ lenders competing for your deal. GoSBA matches you to the best fit — free, no obligation.
Top Industries Funded in Oxnard
These are the industries that received the most SBA 7(a) funding in Oxnard 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 |
|---|---|---|
| Fats and Oils Refining and Blending | 1 | $3.0M |
| Offices of Physicians (except Mental Health Specialists) | 1 | $2.3M |
| Supermarkets and Other Grocery (except Convenience) Stores | 1 | $2.0M |
| Limited-Service Restaurants | 5 | $1.1M |
| Hotels (except Casino Hotels) and Motels | 1 | $910K |
| Offices of Lawyers | 2 | $690K |
| Residential Remodelers | 1 | $475K |
| Industrial Supplies Merchant Wholesalers | 1 | $450K |
| Outpatient Mental Health and Substance Abuse Centers | 1 | $250K |
| All Other Automotive Repair and Maintenance | 1 | $225K |
Lenders with experience funding your specific industry in Oxnard 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 Oxnard
Option 1: Apply directly to one of the top Oxnard 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 Oxnard-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.
