Best SBA Lenders in San Bernardino, CA (2026)
2025 FOIA data: top lenders, rates & industries for San Bernardino SBA loans
SBA Loans in San Bernardino, California
Looking for an SBA loan in San Bernardino, California? Based on 2025 FOIA data, 53 SBA 7(a) loans were funded in San Bernardino totaling $27.3M, supporting an estimated 465 jobs. With 23 active lenders competing for business in the San Bernardino market, comparing offers is essential to getting the best rate and terms.
The average SBA loan in San Bernardino is $515K at an average rate of 10.77%. The top lender in San Bernardino is PCB Bank, with the most-funded industry being General Freight Trucking, Long Distance, Truckload. See all California SBA lenders for statewide rankings.
SBA Loans in San Bernardino by Business Type
Whether you’re starting a new business in San Bernardino, 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 San Bernardino (1 loans funded in 2025), which tells you how comfortable local lenders are funding new ventures without established operating history. Business acquisitions account for 11% (5 loans) — if you’re looking to buy a business in San Bernardino, this is a proven use case for SBA financing. Existing businesses make up 75% and typically receive the most favorable terms.
Top SBA Lenders in San Bernardino, CA (2025 Data)
The table below ranks every SBA 7(a) lender that funded loans to San Bernardino businesses in 2025, ordered by total dollar volume. This data comes directly from SBA FOIA records:
| # | Lender | Volume | Loans | Avg Rate |
|---|---|---|---|---|
| 1 | PCB Bank | $4.2M | 2 | 8.62% |
| 2 | Harvest Small Business Finance, LLC | $3.8M | 2 | 9.75% |
| 3 | Commercial Bank of California | $2.5M | 2 | 9% |
| 4 | Open Bank | $2.4M | 2 | 9.38% |
| 5 | Wells Fargo Bank National Association | $2.1M | 2 | 9.72% |
| 6 | Pinnacle Bank | $1.5M | 2 | 9.25% |
| 7 | Citizens Business Bank National Association | $1.4M | 1 | 7.5% |
| 8 | JPMorgan Chase Bank, National Association | $1.3M | 4 | 11.12% |
| 9 | Live Oak Banking Company | $1.2M | 3 | 9.66% |
| 10 | Celtic Bank Corporation | $866K | 1 | 10.25% |
The top lenders in San Bernardino have direct experience with local businesses and understand the San Bernardino 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 San Bernardino 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 San Bernardino
One 5-minute application. 23+ lenders competing for your deal. GoSBA matches you to the best fit — free, no obligation.
Top Industries Funded in San Bernardino
These are the industries that received the most SBA 7(a) funding in San Bernardino 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 |
|---|---|---|
| General Freight Trucking, Long Distance, Truckload | 4 | $5.8M |
| Nursing Care Facilities | 1 | $3.2M |
| General Automotive Repair | 1 | $1.7M |
| Homes for the Elderly | 2 | $1.5M |
| Limited-Service Restaurants | 2 | $1.5M |
| Motor Vehicle Towing | 1 | $1.4M |
| Truck Trailer Manufacturing | 2 | $910K |
| Septic Tank and Related Services | 2 | $740K |
| All Other Automotive Repair and Maintenance | 2 | $504K |
| Remediation Services | 1 | $500K |
Lenders with experience funding your specific industry in San Bernardino 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 San Bernardino
Option 1: Apply directly to one of the top San Bernardino 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 San Bernardino-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
How many SBA loans were funded in San Bernardino in 2025?
Can I get an SBA loan to start a business in San Bernardino?
Who is the top SBA lender in San Bernardino?
What is the average SBA loan rate in San Bernardino?
Ready to Apply for an SBA Loan in San Bernardino?
50+ lenders competing for your deal. Better rates, faster closing. No fees.
Data from SBA 7(a) FOIA records, Calendar Year 2025. Visit sba.gov for official info.
