Best SBA Lenders in Tustin, CA (2026)
2025 FOIA data: top lenders, rates & industries for Tustin SBA loans
SBA Loans in Tustin, California
Looking for an SBA loan in Tustin, California? Based on 2025 FOIA data, 24 SBA 7(a) loans were funded in Tustin totaling $16.2M, supporting an estimated 406 jobs. With 19 active lenders competing for business in the Tustin market, comparing offers is essential to getting the best rate and terms.
The average SBA loan in Tustin is $676K at an average rate of 9.91%. The top lender in Tustin is First Internet Bank of Indiana, with the most-funded industry being Other Scientific and Technical Consulting Services. See all California SBA lenders for statewide rankings.
SBA Loans in Tustin by Business Type
Whether you’re starting a new business in Tustin, buying an existing one, or expanding your current operation, here’s how SBA lending breaks down in your market:
Startups represent 15% of SBA loans in Tustin (3 loans funded in 2025), which tells you how comfortable local lenders are funding new ventures without established operating history. Business acquisitions account for 29% (5 loans) — if you’re looking to buy a business in Tustin, this is a proven use case for SBA financing. Existing businesses make up 16% and typically receive the most favorable terms.
Top SBA Lenders in Tustin, CA (2025 Data)
The table below ranks every SBA 7(a) lender that funded loans to Tustin businesses in 2025, ordered by total dollar volume. This data comes directly from SBA FOIA records:
| # | Lender | Volume | Loans | Avg Rate |
|---|---|---|---|---|
| 1 | First Internet Bank of Indiana | $3.8M | 2 | 9.75% |
| 2 | PCB Bank | $2.9M | 1 | 8.25% |
| 3 | Live Oak Banking Company | $1.9M | 2 | 9.75% |
| 4 | FWBank | $1.5M | 1 | 9.5% |
| 5 | Bank of Hope | $1.3M | 1 | 9% |
| 6 | Bank of America, National Association | $800K | 2 | 7.04% |
| 7 | U.S. Bank, National Association | $628K | 2 | 10.27% |
| 8 | Citizens Business Bank National Association | $610K | 1 | 7% |
| 9 | Icon Business Bank | $514K | 1 | 10% |
| 10 | First Business Bank | $500K | 1 | 10.5% |
The top lenders in Tustin have direct experience with local businesses and understand the Tustin 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 Tustin 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 Tustin
One 5-minute application. 19+ lenders competing for your deal. GoSBA matches you to the best fit — free, no obligation.
Top Industries Funded in Tustin
These are the industries that received the most SBA 7(a) funding in Tustin 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 |
|---|---|---|
| Other Scientific and Technical Consulting Services | 2 | $3.8M |
| Offices of Dentists | 1 | $2.9M |
| Offices of Physicians (except Mental Health Specialists) | 1 | $1.5M |
| Pet Care (except Veterinary) Services | 1 | $1.4M |
| Limited-Service Restaurants | 1 | $1.3M |
| Full-Service Restaurants | 2 | $1.0M |
| Employment Placement Agencies | 1 | $610K |
| Janitorial Services | 1 | $578K |
| Tax Preparation Services | 1 | $500K |
| Document Preparation Services | 2 | $375K |
Lenders with experience funding your specific industry in Tustin 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 Tustin
Option 1: Apply directly to one of the top Tustin 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 Tustin-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.
