Best SBA Lenders in Vernon, CA (2026)
2025 FOIA data: top lenders, rates & industries for Vernon SBA loans
SBA Loans in Vernon, California
Looking for an SBA loan in Vernon, California? Based on 2025 FOIA data, 12 SBA 7(a) loans were funded in Vernon totaling $13.3M, supporting an estimated 63 jobs. With 10 active lenders competing for business in the Vernon market, comparing offers is essential to getting the best rate and terms.
The average SBA loan in Vernon is $1.1M at an average rate of 10.25%. The top lender in Vernon is Wallis Bank, with the most-funded industry being Limited-Service Restaurants. See all California SBA lenders for statewide rankings.
SBA Loans in Vernon by Business Type
Whether you’re starting a new business in Vernon, 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 Vernon (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 Vernon, 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 Vernon, CA (2025 Data)
The table below ranks every SBA 7(a) lender that funded loans to Vernon businesses in 2025, ordered by total dollar volume. This data comes directly from SBA FOIA records:
| # | Lender | Volume | Loans | Avg Rate |
|---|---|---|---|---|
| 1 | Wallis Bank | $5.0M | 1 | 9.5% |
| 2 | Cathay Bank | $2.8M | 1 | 8.5% |
| 3 | Harvest Small Business Finance, LLC | $2.5M | 1 | 9.75% |
| 4 | FFB Bank | $1.4M | 1 | 10% |
| 5 | Newtek Bank, National Association | $538K | 2 | 11% |
| 6 | CenTrust Bank, A Division of SmartBiz Bank National Associat | $500K | 1 | 10.25% |
| 7 | Northeast Bank | $250K | 1 | 10.25% |
| 8 | Bank of Hope | $170K | 2 | 10.25% |
| 9 | Lendistry SBLC, LLC | $150K | 1 | 12.5% |
| 10 | U.S. Bank, National Association | $50K | 1 | 9.74% |
The top lenders in Vernon have direct experience with local businesses and understand the Vernon 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 Vernon 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 Vernon
One 5-minute application. 10+ lenders competing for your deal. GoSBA matches you to the best fit — free, no obligation.
Top Industries Funded in Vernon
These are the industries that received the most SBA 7(a) funding in Vernon 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 |
|---|---|---|
| Limited-Service Restaurants | 1 | $5.0M |
| Other Miscellaneous Nondurable Goods Merchant Wholesalers | 1 | $2.8M |
| Commercial and Industrial Machinery and Equipment (except Automotive a | 1 | $2.5M |
| All Other Plastics Product Manufacturing | 1 | $1.4M |
| Apparel Accessories and Other Apparel Manufacturing | 1 | $400K |
| All Other Miscellaneous Food Manufacturing | 1 | $250K |
| Cut and Sew Apparel Contractors | 1 | $150K |
| Convention and Trade Show Organizers | 1 | $138K |
| General Warehousing and Storage | 1 | $100K |
| Fresh Fruit and Vegetable Merchant Wholesalers | 1 | $70K |
Lenders with experience funding your specific industry in Vernon 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 Vernon
Option 1: Apply directly to one of the top Vernon 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 Vernon-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.
