Best SBA Lenders in Rancho Cucamonga, CA (2026)
2025 FOIA data: top lenders, rates & industries for Rancho Cucamonga SBA loans
SBA Loans in Rancho Cucamonga, California
Looking for an SBA loan in Rancho Cucamonga, California? Based on 2025 FOIA data, 57 SBA 7(a) loans were funded in Rancho Cucamonga totaling $23.1M, supporting an estimated 714 jobs. With 24 active lenders competing for business in the Rancho Cucamonga market, comparing offers is essential to getting the best rate and terms.
The average SBA loan in Rancho Cucamonga is $404K at an average rate of 10.34%. The top lender in Rancho Cucamonga is Icon Business Bank, with the most-funded industry being Commercial and Institutional Building Construction. See all California SBA lenders for statewide rankings.
SBA Loans in Rancho Cucamonga by Business Type
Whether you’re starting a new business in Rancho Cucamonga, buying an existing one, or expanding your current operation, here’s how SBA lending breaks down in your market:
Startups represent 10% of SBA loans in Rancho Cucamonga (4 loans funded in 2025), which tells you how comfortable local lenders are funding new ventures without established operating history. Business acquisitions account for 16% (3 loans) — if you’re looking to buy a business in Rancho Cucamonga, this is a proven use case for SBA financing. Existing businesses make up 73% and typically receive the most favorable terms.
Top SBA Lenders in Rancho Cucamonga, CA (2025 Data)
The table below ranks every SBA 7(a) lender that funded loans to Rancho Cucamonga businesses in 2025, ordered by total dollar volume. This data comes directly from SBA FOIA records:
| # | Lender | Volume | Loans | Avg Rate |
|---|---|---|---|---|
| 1 | Icon Business Bank | $3.1M | 1 | 9.5% |
| 2 | Celtic Bank Corporation | $2.7M | 4 | 10.12% |
| 3 | JPMorgan Chase Bank, National Association | $2.1M | 3 | 7.86% |
| 4 | Northeast Bank | $1.9M | 15 | 10.93% |
| 5 | U.S. Bank, National Association | $1.9M | 7 | 10.36% |
| 6 | Live Oak Banking Company | $1.4M | 1 | 9% |
| 7 | East West Bank | $1.4M | 2 | 9.25% |
| 8 | Lendistry SBLC, LLC | $1.2M | 5 | 12.1% |
| 9 | 22nd State Bank, A Division of 22nd State Banking Company | $1.1M | 1 | 10% |
| 10 | Harvest Small Business Finance, LLC | $765K | 1 | 10.5% |
The top lenders in Rancho Cucamonga have direct experience with local businesses and understand the Rancho Cucamonga 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 Cucamonga 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 Cucamonga
One 5-minute application. 24+ lenders competing for your deal. GoSBA matches you to the best fit — free, no obligation.
Top Industries Funded in Rancho Cucamonga
These are the industries that received the most SBA 7(a) funding in Rancho Cucamonga 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 |
|---|---|---|
| Commercial and Institutional Building Construction | 1 | $3.1M |
| Full-Service Restaurants | 7 | $2.8M |
| Other Accounting Services | 1 | $1.7M |
| Insurance Agencies and Brokerages | 1 | $1.7M |
| Fitness and Recreational Sports Centers | 1 | $1.4M |
| Educational Support Services | 1 | $1.2M |
| Nail Salons | 1 | $1.1M |
| Limited-Service Restaurants | 3 | $867K |
| Janitorial Services | 1 | $765K |
| Offices of Physicians (except Mental Health Specialists) | 2 | $650K |
Lenders with experience funding your specific industry in Rancho Cucamonga 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 Cucamonga
Option 1: Apply directly to one of the top Rancho Cucamonga 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 Cucamonga-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.
