Best SBA Lenders in Stockton, CA (2026)
2025 FOIA data: top lenders, rates & industries for Stockton SBA loans
SBA Loans in Stockton, California
Looking for an SBA loan in Stockton, California? Based on 2025 FOIA data, 58 SBA 7(a) loans were funded in Stockton totaling $41.4M, supporting an estimated 767 jobs. With 25 active lenders competing for business in the Stockton market, comparing offers is essential to getting the best rate and terms.
The average SBA loan in Stockton is $713K at an average rate of 10.77%. The top lender in Stockton is Live Oak Banking Company, with the most-funded industry being Car Washes. See all California SBA lenders for statewide rankings.
SBA Loans in Stockton by Business Type
Whether you’re starting a new business in Stockton, 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 Stockton (6 loans funded in 2025), which tells you how comfortable local lenders are funding new ventures without established operating history. Business acquisitions account for 31% (7 loans) — if you’re looking to buy a business in Stockton, this is a proven use case for SBA financing. Existing businesses make up 48% and typically receive the most favorable terms.
Top SBA Lenders in Stockton, CA (2025 Data)
The table below ranks every SBA 7(a) lender that funded loans to Stockton businesses in 2025, ordered by total dollar volume. This data comes directly from SBA FOIA records:
| # | Lender | Volume | Loans | Avg Rate |
|---|---|---|---|---|
| 1 | Live Oak Banking Company | $10.0M | 3 | 9.72% |
| 2 | Pathward National Association | $5.0M | 1 | 9.5% |
| 3 | Open Bank | $3.5M | 1 | 8.5% |
| 4 | Columbia Bank | $3.3M | 1 | 8.5% |
| 5 | Northeast Bank | $2.4M | 10 | 10.6% |
| 6 | First Business Bank | $1.9M | 2 | 9.75% |
| 7 | Harvest Small Business Finance, LLC | $1.9M | 3 | 10.42% |
| 8 | U.S. Bank, National Association | $1.9M | 5 | 9.97% |
| 9 | Centerstone SBA Lending, Inc. | $1.7M | 3 | 9.58% |
| 10 | Byline Bank | $1.6M | 1 | 9.75% |
The top lenders in Stockton have direct experience with local businesses and understand the Stockton 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 Stockton 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 Stockton
One 5-minute application. 25+ lenders competing for your deal. GoSBA matches you to the best fit — free, no obligation.
Top Industries Funded in Stockton
These are the industries that received the most SBA 7(a) funding in Stockton 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 |
|---|---|---|
| Car Washes | 3 | $6.6M |
| All Other Professional, Scientific, and Technical Services | 1 | $5.0M |
| Other Miscellaneous Nondurable Goods Merchant Wholesalers | 1 | $3.3M |
| Homes for the Elderly | 2 | $1.9M |
| General Freight Trucking, Local | 3 | $1.8M |
| Limited-Service Restaurants | 3 | $1.7M |
| All Other Plastics Product Manufacturing | 2 | $1.0M |
| Gasket, Packing, and Sealing Device Manufacturing | 2 | $940K |
| Insurance Agencies and Brokerages | 2 | $668K |
| Drywall and Insulation Contractors | 2 | $606K |
Lenders with experience funding your specific industry in Stockton 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 Stockton
Option 1: Apply directly to one of the top Stockton 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 Stockton-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.
