Best SBA Lenders in South El Monte, CA (2026)
2025 FOIA data: top lenders, rates & industries for South El Monte SBA loans
SBA Loans in South El Monte, California
Looking for an SBA loan in South El Monte, California? Based on 2025 FOIA data, 17 SBA 7(a) loans were funded in South El Monte totaling $13.8M, supporting an estimated 219 jobs. With 12 active lenders competing for business in the South El Monte market, comparing offers is essential to getting the best rate and terms.
The average SBA loan in South El Monte is $812K at an average rate of 9.94%. The top lender in South El Monte is United Midwest Savings Bank National Association, with the most-funded industry being Dry Pasta, Dough, and Flour Mixes Manufacturing from Purchased Flour. See all California SBA lenders for statewide rankings.
SBA Loans in South El Monte by Business Type
Whether you’re starting a new business in South El Monte, buying an existing one, or expanding your current operation, here’s how SBA lending breaks down in your market:
Startups represent 0% of SBA loans in South El Monte (0 loans funded in 2025), which tells you how comfortable local lenders are funding new ventures without established operating history. Business acquisitions account for 0% (0 loans) — if you’re looking to buy a business in South El Monte, this is a proven use case for SBA financing. Existing businesses make up 100% and typically receive the most favorable terms.
Top SBA Lenders in South El Monte, CA (2025 Data)
The table below ranks every SBA 7(a) lender that funded loans to South El Monte businesses in 2025, ordered by total dollar volume. This data comes directly from SBA FOIA records:
| # | Lender | Volume | Loans | Avg Rate |
|---|---|---|---|---|
| 1 | United Midwest Savings Bank National Association | $3.7M | 3 | 8.83% |
| 2 | East West Bank | $2.4M | 2 | 8.88% |
| 3 | Harvest Small Business Finance, LLC | $1.9M | 1 | 9.75% |
| 4 | Cathay Bank | $1.6M | 1 | 8.5% |
| 5 | JPMorgan Chase Bank, National Association | $1.0M | 1 | 7.5% |
| 6 | Pacific Alliance Bank | $1.0M | 1 | 8% |
| 7 | Lendistry SBLC, LLC | $800K | 2 | 11.5% |
| 8 | EverBank National Association | $728K | 1 | 6.75% |
| 9 | Wallis Bank | $300K | 1 | 10% |
| 10 | BayFirst National Bank | $300K | 2 | 12.25% |
The top lenders in South El Monte have direct experience with local businesses and understand the South El Monte 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 South El Monte 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 South El Monte
One 5-minute application. 12+ lenders competing for your deal. GoSBA matches you to the best fit — free, no obligation.
Top Industries Funded in South El Monte
These are the industries that received the most SBA 7(a) funding in South El Monte 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 |
|---|---|---|
| Dry Pasta, Dough, and Flour Mixes Manufacturing from Purchased Flour | 1 | $2.3M |
| Other Miscellaneous Nondurable Goods Merchant Wholesalers | 1 | $2.0M |
| General Line Grocery Merchant Wholesalers | 1 | $1.9M |
| Metal Service Centers and Other Metal Merchant Wholesalers | 2 | $1.7M |
| Recyclable Material Merchant Wholesalers | 1 | $1.6M |
| Sporting and Recreational Goods and Supplies Merchant Wholesalers | 2 | $1.3M |
| Other Miscellaneous Durable Goods Merchant Wholesalers | 2 | $1.1M |
| All Other Miscellaneous Manufacturing | 1 | $728K |
| Poultry and Poultry Product Merchant Wholesalers | 1 | $500K |
| Other Snack Food Manufacturing | 1 | $150K |
Lenders with experience funding your specific industry in South El Monte 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 South El Monte
Option 1: Apply directly to one of the top South El Monte 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 South El Monte-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.
