Best SBA Lenders in Santa Rosa, CA (2026)
2025 FOIA data: top lenders, rates & industries for Santa Rosa SBA loans
SBA Loans in Santa Rosa, California
Looking for an SBA loan in Santa Rosa, California? Based on 2025 FOIA data, 51 SBA 7(a) loans were funded in Santa Rosa totaling $30.8M, supporting an estimated 496 jobs. With 22 active lenders competing for business in the Santa Rosa market, comparing offers is essential to getting the best rate and terms.
The average SBA loan in Santa Rosa is $604K at an average rate of 10.23%. The top lender in Santa Rosa is Bank of America, National Association, with the most-funded industry being Instruments and Related Products Manufacturing for Measuring, Displayi. See all California SBA lenders for statewide rankings.
SBA Loans in Santa Rosa by Business Type
Whether you’re starting a new business in Santa Rosa, buying an existing one, or expanding your current operation, here’s how SBA lending breaks down in your market:
Startups represent 18% of SBA loans in Santa Rosa (3 loans funded in 2025), which tells you how comfortable local lenders are funding new ventures without established operating history. Business acquisitions account for 10% (4 loans) — if you’re looking to buy a business in Santa Rosa, this is a proven use case for SBA financing. Existing businesses make up 51% and typically receive the most favorable terms.
Top SBA Lenders in Santa Rosa, CA (2025 Data)
The table below ranks every SBA 7(a) lender that funded loans to Santa Rosa businesses in 2025, ordered by total dollar volume. This data comes directly from SBA FOIA records:
| # | Lender | Volume | Loans | Avg Rate |
|---|---|---|---|---|
| 1 | Bank of America, National Association | $5.0M | 1 | 5.98% |
| 2 | Summit State Bank | $4.8M | 1 | 9% |
| 3 | InBank | $4.2M | 2 | 9% |
| 4 | Live Oak Banking Company | $3.5M | 5 | 9.05% |
| 5 | Wells Fargo Bank National Association | $2.2M | 4 | 8.2% |
| 6 | U.S. Bank, National Association | $1.4M | 4 | 10.37% |
| 7 | Newtek Bank, National Association | $1.4M | 6 | 10.54% |
| 8 | First Internet Bank of Indiana | $1.3M | 1 | 10.5% |
| 9 | Exchange Bank | $1.1M | 1 | 9.75% |
| 10 | East West Bank | $950K | 1 | 8.5% |
The top lenders in Santa Rosa have direct experience with local businesses and understand the Santa Rosa 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 Rosa 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 Rosa
One 5-minute application. 22+ lenders competing for your deal. GoSBA matches you to the best fit — free, no obligation.
Top Industries Funded in Santa Rosa
These are the industries that received the most SBA 7(a) funding in Santa Rosa 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 |
|---|---|---|
| Instruments and Related Products Manufacturing for Measuring, Displayi | 1 | $5.0M |
| Homes for the Elderly | 1 | $4.8M |
| Medicinal and Botanical Manufacturing | 2 | $4.2M |
| Other Personal Care Services | 2 | $1.6M |
| Offices of Certified Public Accountants | 2 | $1.4M |
| Computer Systems Design Services | 1 | $1.3M |
| Drycleaning and Laundry Services (except Coin-Operated) | 1 | $1.1M |
| Funeral Homes and Funeral Services | 1 | $950K |
| Home Health Care Services | 2 | $835K |
| Full-Service Restaurants | 2 | $675K |
Lenders with experience funding your specific industry in Santa Rosa 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 Rosa
Option 1: Apply directly to one of the top Santa Rosa 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 Rosa-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.
