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105 active SBA 7(a) lenders in California, ranked by loan volume.
Lenders
in California
Total Volume
Median Rate
Median Loan Size
| # | Lender | Loans | Volume | Rate | Default Rate |
|---|---|---|---|---|---|
| 1 | Live Oak Bank | 85 | $137.9M | P+1.50% | 0.8% |
| 2 | Open Bank | 42 | $87.1M | P+1.50% | 0.5% |
| 3 | PCB Bank | 40 | $32.9M | P+1.50% | 0.5% |
| 4 | U.S. Bank, National Association | 37 | $41.4M | P+0.93% | 2.2% |
| 5 | Port 51 Lending LLC | 28 | $30.8M | P+2.75% | 0.0% |
| 6 | American Continental Bank | 27 | $15.4M | P+2.00% | 0.8% |
| 7 | Celtic Bank Corporation | 27 | $26.3M | P+2.50% | 1.7% |
| 8 | Hanmi Bank | 21 | $27.5M | P+1.75% | 1.0% |
| 9 | Plumas Bank | 19 | $19.9M | P+0.00% | 1.3% |
| 10 | Commonwealth Business Bank | 18 | $15.4M | P+1.75% | 0.3% |
| 11 | East West Bank | 16 | $11.9M | P+2.00% | 0.0% |
| 12 | The Huntington National Bank | 15 | $19.4M | P+2.25% | 1.5% |
| 13 | Byline Bank | 15 | $18.6M | P+2.75% | 1.5% |
| 14 | FFB Bank | 14 | $12.1M | P+2.25% | 2.1% |
| 15 | CalPrivate Bank | 14 | $10.9M | P+3.00% | 4.3% |
| 16 | Southwestern National Bank | 12 | $30.0M | P+1.25% | 0.0% |
| 17 | Centerstone SBA Lending, Inc. | 12 | $20.9M | P+2.00% | 0.9% |
| 18 | Royal Business Bank | 12 | $11.0M | P+2.00% | 0.0% |
| 19 | US Metro Bank | 11 | $34.1M | P+1.25% | 0.0% |
| 20 | First Internet Bank of Indiana | 11 | $27.8M | P+2.75% | 1.7% |
| 21 | United Midwest Savings Bank, National Association | 10 | $7.2M | P+2.75% | 0.2% |
| 22 | VelocitySBA, LLC | 9 | $6.4M | P+3.00% | 2.4% |
| 23 | Zions Bank, A Division of | 9 | $3.0M | P+0.70% | 1.1% |
| 24 | Readycap Lending, LLC | 9 | $16.5M | P+1.50% | 2.8% |
| 25 | Harvest Small Business Finance, LLC | 8 | $11.9M | P+2.25% | 0.0% |
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Customize your search →California has 105 active SBA 7(a) acquisition lenders that have originated a combined 754 loans totaling $943.6M in volume. The median acquisition loan size in California is $718K, with a median interest rate of Prime + 2.25% (Prime + spread).
When evaluating SBA lenders in California, consider loan volume (a proxy for experience), interest rates, and historical default rates. Lenders designated as PLP (Preferred Lender Program) have delegated authority from the SBA to approve loans, which typically results in faster processing times.
There are currently 105 active SBA 7(a) lenders in California based on FOIA lending data. These lenders have originated 754 acquisition loans.
The median SBA 7(a) acquisition loan rate in California is Prime + 2.25% (current Prime rate: 6.75%). Rates are typically expressed as Prime plus a spread, with the SBA capping the spread at 3.0% for loans over $250,000.
A PLP (Preferred Lender Program) lender has been granted delegated authority by the SBA to make credit decisions without prior SBA review. This typically means faster loan processing and approval timelines.
Data source: SBA 7(a) FOIA lending data. Rankings are based on loan count within the selected dimension. Rates shown are median interest rates expressed as Prime + spread. Default rates represent 10-year cumulative default rates. Data is refreshed periodically and may not reflect the most recent lending activity.