Best SBA Lenders in Santa Ana, CA (2026)
2025 FOIA data: top lenders, rates & industries for Santa Ana SBA loans
SBA Loans in Santa Ana, California
Looking for an SBA loan in Santa Ana, California? Based on 2025 FOIA data, 73 SBA 7(a) loans were funded in Santa Ana totaling $33.9M, supporting an estimated 572 jobs. With 32 active lenders competing for business in the Santa Ana market, comparing offers is essential to getting the best rate and terms.
The average SBA loan in Santa Ana is $465K at an average rate of 10.57%. The top lender in Santa Ana is City National Bank, with the most-funded industry being Offices of Physicians (except Mental Health Specialists). See all California SBA lenders for statewide rankings.
SBA Loans in Santa Ana by Business Type
Whether you’re starting a new business in Santa Ana, 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 Santa Ana (5 loans funded in 2025), which tells you how comfortable local lenders are funding new ventures without established operating history. Business acquisitions account for 23% (6 loans) — if you’re looking to buy a business in Santa Ana, this is a proven use case for SBA financing. Existing businesses make up 68% and typically receive the most favorable terms.
Top SBA Lenders in Santa Ana, CA (2025 Data)
The table below ranks every SBA 7(a) lender that funded loans to Santa Ana businesses in 2025, ordered by total dollar volume. This data comes directly from SBA FOIA records:
| # | Lender | Volume | Loans | Avg Rate |
|---|---|---|---|---|
| 1 | City National Bank | $4.1M | 3 | 6.55% |
| 2 | Readycap Lending, LLC | $3.8M | 5 | 11.95% |
| 3 | Open Bank | $3.8M | 2 | 9.12% |
| 4 | Byline Bank | $3.3M | 4 | 10.25% |
| 5 | Commercial Bank of California | $2.0M | 1 | 10.25% |
| 6 | California Bank of Commerce, NA | $1.9M | 1 | 9.5% |
| 7 | American Business Bank | $1.9M | 1 | 9% |
| 8 | Northeast Bank | $1.7M | 9 | 11.22% |
| 9 | U.S. Bank, National Association | $1.7M | 10 | 9.88% |
| 10 | Southwestern National Bank | $1.4M | 1 | 8.75% |
The top lenders in Santa Ana have direct experience with local businesses and understand the Santa Ana 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 Santa Ana 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 Santa Ana
One 5-minute application. 32+ lenders competing for your deal. GoSBA matches you to the best fit — free, no obligation.
Top Industries Funded in Santa Ana
These are the industries that received the most SBA 7(a) funding in Santa Ana 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 |
|---|---|---|
| Offices of Physicians (except Mental Health Specialists) | 3 | $5.5M |
| Engineering Services | 1 | $3.4M |
| Other Communication and Energy Wire Manufacturing | 1 | $3.1M |
| Aircraft Engine and Engine Parts Manufacturing | 2 | $2.7M |
| All Other Specialty Trade Contractors | 3 | $2.2M |
| Interior Design Services | 1 | $1.9M |
| Support Activities for Forestry | 1 | $1.4M |
| Full-Service Restaurants | 2 | $1.4M |
| New Single-Family Housing Construction (except Operative Builders) | 3 | $950K |
| Offices of Physical, Occupational and Speech Therapists, and Audiologi | 2 | $653K |
Lenders with experience funding your specific industry in Santa Ana 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 Santa Ana
Option 1: Apply directly to one of the top Santa Ana 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 Santa Ana-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.
