Best SBA Lenders in Temecula, CA (2026)
2025 FOIA data: top lenders, rates & industries for Temecula SBA loans
SBA Loans in Temecula, California
Looking for an SBA loan in Temecula, California? Based on 2025 FOIA data, 62 SBA 7(a) loans were funded in Temecula totaling $31.4M, supporting an estimated 606 jobs. With 28 active lenders competing for business in the Temecula market, comparing offers is essential to getting the best rate and terms.
The average SBA loan in Temecula is $506K at an average rate of 10.62%. The top lender in Temecula is Pathward National Association, with the most-funded industry being Toy and Hobby Goods and Supplies Merchant Wholesalers. See all California SBA lenders for statewide rankings.
SBA Loans in Temecula by Business Type
Whether you’re starting a new business in Temecula, buying an existing one, or expanding your current operation, here’s how SBA lending breaks down in your market:
Startups represent 36% of SBA loans in Temecula (8 loans funded in 2025), which tells you how comfortable local lenders are funding new ventures without established operating history. Business acquisitions account for 24% (7 loans) — if you’re looking to buy a business in Temecula, this is a proven use case for SBA financing. Existing businesses make up 34% and typically receive the most favorable terms.
Top SBA Lenders in Temecula, CA (2025 Data)
The table below ranks every SBA 7(a) lender that funded loans to Temecula businesses in 2025, ordered by total dollar volume. This data comes directly from SBA FOIA records:
| # | Lender | Volume | Loans | Avg Rate |
|---|---|---|---|---|
| 1 | Pathward National Association | $5.0M | 1 | 10.25% |
| 2 | Banc of California | $5.0M | 1 | 8% |
| 3 | Newtek Bank, National Association | $5.0M | 11 | 11.16% |
| 4 | The Huntington National Bank | $3.0M | 4 | 10.25% |
| 5 | U.S. Bank, National Association | $1.6M | 3 | 9.76% |
| 6 | Zions Bank, A Division of | $1.3M | 5 | 9.1% |
| 7 | US Metro Bank | $1.3M | 1 | 8.75% |
| 8 | Commercial Bank of California | $1.0M | 1 | 10.75% |
| 9 | Shinhan Bank America | $950K | 1 | 8.5% |
| 10 | Lendistry SBLC, LLC | $900K | 4 | 12.44% |
The top lenders in Temecula have direct experience with local businesses and understand the Temecula 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 Temecula 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 Temecula
One 5-minute application. 28+ lenders competing for your deal. GoSBA matches you to the best fit — free, no obligation.
Top Industries Funded in Temecula
These are the industries that received the most SBA 7(a) funding in Temecula 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 |
|---|---|---|
| Toy and Hobby Goods and Supplies Merchant Wholesalers | 1 | $5.0M |
| Elementary and Secondary Schools | 1 | $5.0M |
| Commercial Gravure Printing | 2 | $2.7M |
| Full-Service Restaurants | 5 | $2.7M |
| Medicinal and Botanical Manufacturing | 1 | $1.5M |
| Flight Training | 1 | $1.5M |
| Limited-Service Restaurants | 3 | $1.4M |
| Plumbing, Heating, and Air-Conditioning Contractors | 2 | $1.2M |
| Child Day Care Services | 2 | $1.1M |
| Other Personal Care Services | 1 | $1.0M |
Lenders with experience funding your specific industry in Temecula 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 Temecula
Option 1: Apply directly to one of the top Temecula 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 Temecula-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.
