Best SBA Lenders in Riverside, CA (2026)
2025 FOIA data: top lenders, rates & industries for Riverside SBA loans
SBA Loans in Riverside, California
Looking for an SBA loan in Riverside, California? Based on 2025 FOIA data, 78 SBA 7(a) loans were funded in Riverside totaling $27.2M, supporting an estimated 823 jobs. With 25 active lenders competing for business in the Riverside market, comparing offers is essential to getting the best rate and terms.
The average SBA loan in Riverside is $349K at an average rate of 10.56%. The top lender in Riverside is East West Bank, with the most-funded industry being Other Miscellaneous Durable Goods Merchant Wholesalers. See all California SBA lenders for statewide rankings.
SBA Loans in Riverside by Business Type
Whether you’re starting a new business in Riverside, 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 Riverside (1 loans funded in 2025), which tells you how comfortable local lenders are funding new ventures without established operating history. Business acquisitions account for 18% (4 loans) — if you’re looking to buy a business in Riverside, this is a proven use case for SBA financing. Existing businesses make up 70% and typically receive the most favorable terms.
Top SBA Lenders in Riverside, CA (2025 Data)
The table below ranks every SBA 7(a) lender that funded loans to Riverside businesses in 2025, ordered by total dollar volume. This data comes directly from SBA FOIA records:
| # | Lender | Volume | Loans | Avg Rate |
|---|---|---|---|---|
| 1 | East West Bank | $3.8M | 1 | 8% |
| 2 | Port 51 Lending LLC | $3.5M | 1 | 10.25% |
| 3 | U.S. Bank, National Association | $3.2M | 15 | 10.05% |
| 4 | Northeast Bank | $2.5M | 12 | 10.9% |
| 5 | Harvest Small Business Finance, LLC | $2.3M | 3 | 10% |
| 6 | Live Oak Banking Company | $1.7M | 3 | 9.33% |
| 7 | Lendistry SBLC, LLC | $1.6M | 7 | 12.18% |
| 8 | JPMorgan Chase Bank, National Association | $1.6M | 4 | 9.82% |
| 9 | Commonwealth Business Bank | $1.0M | 1 | 9.75% |
| 10 | Wells Fargo Bank National Association | $792K | 5 | 11.42% |
The top lenders in Riverside have direct experience with local businesses and understand the Riverside 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 Riverside 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 Riverside
One 5-minute application. 25+ lenders competing for your deal. GoSBA matches you to the best fit — free, no obligation.
Top Industries Funded in Riverside
These are the industries that received the most SBA 7(a) funding in Riverside 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 |
|---|---|---|
| Other Miscellaneous Durable Goods Merchant Wholesalers | 1 | $3.8M |
| Veterinary Services | 1 | $3.5M |
| Wood Kitchen Cabinet and Countertop Manufacturing | 1 | $1.4M |
| Offices of Physicians (except Mental Health Specialists) | 1 | $1.2M |
| Reupholstery and Furniture Repair | 2 | $1.2M |
| Computer Systems Design Services | 2 | $985K |
| Commercial and Institutional Building Construction | 2 | $900K |
| Other Personal and Household Goods Repair and Maintenance | 1 | $869K |
| Limited-Service Restaurants | 4 | $707K |
| Roofing Contractors | 1 | $687K |
Lenders with experience funding your specific industry in Riverside 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 Riverside
Option 1: Apply directly to one of the top Riverside 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 Riverside-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.
