Best SBA Lenders in Rancho Cordova, CA (2026)
2025 FOIA data: top lenders, rates & industries for Rancho Cordova SBA loans
SBA Loans in Rancho Cordova, California
Looking for an SBA loan in Rancho Cordova, California? Based on 2025 FOIA data, 28 SBA 7(a) loans were funded in Rancho Cordova totaling $18.1M, supporting an estimated 411 jobs. With 20 active lenders competing for business in the Rancho Cordova market, comparing offers is essential to getting the best rate and terms.
The average SBA loan in Rancho Cordova is $648K at an average rate of 9.96%. The top lender in Rancho Cordova is GBank, with the most-funded industry being Hotels (except Casino Hotels) and Motels. See all California SBA lenders for statewide rankings.
SBA Loans in Rancho Cordova by Business Type
Whether you’re starting a new business in Rancho Cordova, 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 Rancho Cordova (4 loans funded in 2025), which tells you how comfortable local lenders are funding new ventures without established operating history. Business acquisitions account for 28% (1 loans) — if you’re looking to buy a business in Rancho Cordova, this is a proven use case for SBA financing. Existing businesses make up 48% and typically receive the most favorable terms.
Top SBA Lenders in Rancho Cordova, CA (2025 Data)
The table below ranks every SBA 7(a) lender that funded loans to Rancho Cordova businesses in 2025, ordered by total dollar volume. This data comes directly from SBA FOIA records:
| # | Lender | Volume | Loans | Avg Rate |
|---|---|---|---|---|
| 1 | GBank | $5.0M | 1 | 8.75% |
| 2 | Enterprise Bank & Trust | $3.8M | 2 | 7.5% |
| 3 | Plumas Bank | $2.7M | 1 | 7.75% |
| 4 | Harvest Small Business Finance, LLC | $1.4M | 1 | 9.75% |
| 5 | Banner Bank | $1.1M | 2 | 9.75% |
| 6 | The Huntington National Bank | $802K | 3 | 10.25% |
| 7 | Live Oak Banking Company | $500K | 1 | 8.99% |
| 8 | First Business Bank | $467K | 1 | 10.5% |
| 9 | Lendistry SBLC, LLC | $350K | 1 | 12% |
| 10 | AMPAC Tri-State CDC, Inc. | $330K | 1 | 10.25% |
The top lenders in Rancho Cordova have direct experience with local businesses and understand the Rancho Cordova 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 Rancho Cordova 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 Rancho Cordova
One 5-minute application. 20+ lenders competing for your deal. GoSBA matches you to the best fit — free, no obligation.
Top Industries Funded in Rancho Cordova
These are the industries that received the most SBA 7(a) funding in Rancho Cordova 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 |
|---|---|---|
| Hotels (except Casino Hotels) and Motels | 1 | $5.0M |
| Motor Vehicle Parts (Used) Merchant Wholesalers | 3 | $3.9M |
| Residential Remodelers | 3 | $3.0M |
| Used Car Dealers | 1 | $1.4M |
| Drywall and Insulation Contractors | 1 | $1.0M |
| All Other Professional, Scientific, and Technical Services | 2 | $750K |
| Automotive Body, Paint, and Interior Repair and Maintenance | 1 | $500K |
| Medical, Dental, and Hospital Equipment and Supplies Merchant Wholesal | 1 | $467K |
| Finish Carpentry Contractors | 1 | $350K |
| Flooring Contractors | 1 | $324K |
Lenders with experience funding your specific industry in Rancho Cordova 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 Rancho Cordova
Option 1: Apply directly to one of the top Rancho Cordova 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 Rancho Cordova-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.
