BlogRankingCityBest Sacramento, CA SBA Lenders & Rates of 2026

Best Sacramento, CA SBA Lenders & Rates of 2026

February 2, 2026
City, Ranking
3 min read

Best Sacramento, CA SBA Lenders & Rates of 2026

$70.9M
Total Funded

156
Loans Approved

$455K
Avg Loan Size

10.48%
Avg Interest Rate

42
Active Lenders

SBA Loans in Sacramento, CA

Sacramento, CA businesses received $70.9M in SBA 7(a) loan approvals across 156 businesses in 2025. With 42 active SBA lenders competing for business in Sacramento, understanding which banks offer the best rates can save you tens of thousands of dollars.

💡 Key Insight: The average SBA loan in Sacramento is $455K, with rates averaging 10.48%. Rates vary significantly by lender—comparing offers can save you $50,000+ over the life of your loan.

Sacramento SBA Loans by Business Type

🚀 Startups
24%
$21.8M • 37 loans

🏢 Existing Businesses
70%
$34.1M • 109 loans

🔄 Acquisitions
6%
$15.0M • 10 loans

Top SBA Lenders in Sacramento, CA (2025)

Based on official SBA data analyzed by GoSBA Loans, these are the banks that funded the most SBA 7(a) loans to Sacramento businesses:

Rank Lender Volume Loans Avg Rate
1 Live Oak Banking Company $8.6M 3 9.13%
2 US Metro Bank $7.3M 3 8.50%
3 Northeast Bank $7.3M 36 11.13%
4 Newtek Bank, National Association $5.5M 12 11.29%
5 Enterprise Bank & Trust $5.2M 3 8.08%
6 Plumas Bank $3.4M 2 7.75%
7 Grasshopper Bank National Association $2.8M 1 10.00%
8 Hanover Community Bank $2.7M 3 10.33%
9 U.S. Bank, National Association $2.6M 14 9.73%
10 Wells Fargo Bank National Association $2.4M 7 10.38%
11 Readycap Lending, LLC $1.9M 8 12.16%
12 Byline Bank $1.9M 2 10.25%
13 Centerstone SBA Lending, Inc. $1.8M 1 10.25%
14 Banner Bank $1.7M 6 8.67%
15 Harvest Small Business Finance, LLC $1.6M 2 9.75%
16 Lendistry SBLC, LLC $1.6M 9 12.39%
17 Exchange Bank $1.5M 2 8.50%
18 Citizens Bank $1.5M 2 10.25%
19 United Midwest Savings Bank National Association $1.1M 2 10.00%
20 VelocitySBA, LLC $921K 1 10.25%
21 First Bank of Central Ohio $682K 1 9.75%
22 Bank of America, National Association $636K 3 7.94%
23 Zions Bank, A Division of $594K 4 8.11%
24 Community West Bank $508K 2 9.13%
25 Cadence Bank $500K 1 10.25%
26 CenTrust Bank, A Division of SmartBiz Bank National Associat $500K 2 11.63%
27 Celtic Bank Corporation $455K 4 10.50%
28 First Business Bank $451K 1 10.50%
29 JPMorgan Chase Bank, National Association $430K 1 9.95%
30 AMPAC Tri-State CDC, Inc. $417K 3 12.75%
31 City National Bank $410K 1 8.10%
32 FWBank $405K 1 9.25%
33 Banesco USA $308K 1 10.50%
34 The Huntington National Bank $275K 1 7.99%
35 Capital Bank, National Association $270K 1 9.75%
36 BayFirst National Bank $222K 2 12.25%
37 Magnifi Financial CU $200K 1 10.25%
38 Heritage Bank Inc $150K 1 10.75%
39 Columbia Bank $117K 3 12.33%
40 First Bank of the Lake $85K 1 13.50%
41 Five Star Bank $60K 1 10.50%
42 Citibank, N.A. $35K 1 7.05%

Top Industries in Sacramento

Here are the industries that received the most SBA funding in Sacramento:

Limited-Service Restaurants

$4.4M
Volume

9
Loans

Landscaping Services

$3.4M
Volume

5
Loans

Sports and Recreation Instruction

$3.0M
Volume

4
Loans

Full-Service Restaurants

$3.0M
Volume

5
Loans

Child Day Care Services

$2.7M
Volume

2
Loans

Interior Design Services

$2.6M
Volume

1
Loans

Used Car Dealers

$2.0M
Volume

10
Loans

General Automotive Repair

$2.0M
Volume

3
Loans

SBA Loans in California

Sacramento is part of California‘s SBA lending market. For statewide data and more lender options, see our full California SBA Lenders guide.

🤝 Why Use an SBA Broker in Sacramento?

GoSBA Loans helps Sacramento businesses access the best SBA lenders:

  • Access 42+ lenders — including many that don’t accept direct applications
  • Local market expertise — we know which lenders are most active in Sacramento
  • Rate comparison — get competing offers to secure the best terms
  • Free service — lenders pay us, you pay nothing extra

📞 Get Expert Help with Your Sacramento SBA Loan

Our team has helped hundreds of Sacramento businesses secure SBA financing. Let us match you with the right lender.

Looking for SBA loan help in Sacramento? GoSBA Loans is a trusted SBA loan broker serving businesses in Sacramento and across California. Contact our Sacramento SBA specialists today for a free consultation.

Explore More SBA Markets

http://gosbaloans.com

Ishan Jetley is the owner of GoSBA Loans. I have assisted 100's of businesses with their business loans. I specialize in SBA financing for working capital, real estate and business acquisitions.

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