Top SBA Lenders in California for Retail Trade
13 SBA 7(a) lenders active in California's retail trade sector.
Lenders
104 loans
Total Volume
Median Rate
State avg: Prime + 2.25%
Default Rate
State avg: 1.9%
Top Retail Trade Lenders in California
Rate Distribution (Retail Trade in California)
All Retail Trade Lenders in California
| # | Lender | Loans | Volume | Rate | Default Rate |
|---|---|---|---|---|---|
| 1 | American Continental Bank | 21 | $11.8M | P+2.00% | 0.8% |
| 2 | Open Bank | 17 | $11.5M | P+1.50% | 0.5% |
| 3 | PCB Bank | 15 | $10.0M | P+1.50% | 0.8% |
| 4 | Commonwealth Business Bank | 12 | $9.7M | P+1.75% | 0.3% |
| 5 | Southwestern National Bank | 8 | $5.7M | P+1.13% | 0.0% |
| 6 | Hanmi Bank | 6 | $10.8M | P+1.75% | 1.0% |
| 7 | East West Bank | 5 | $2.4M | P+2.00% | 0.0% |
| 8 | Live Oak Bank | 5 | $9.9M | P+1.50% | 0.8% |
| 9 | VelocitySBA, LLC | 3 | $1.5M | P+2.75% | 0.9% |
| 10 | U.S. Bank, National Association | 3 | $4.5M | P+0.93% | 2.2% |
| 11 | Truliant FCU | 3 | $2.0M | P+2.75% | 0.0% |
| 12 | Centerstone SBA Lending, Inc. | 3 | $1.5M | P+2.00% | 0.9% |
| 13 | Plumas Bank | 3 | $2.8M | P+0.00% | 1.5% |
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Customize your search →Retail Trade SBA Lending in California
13 SBA 7(a) lenders are active in California's retail trade sector, having originated 104 loans totaling $84.0M. The median rate for retail trade acquisitions in California is Prime + 1.75%, compared to the statewide median of Prime + 2.25%.
The 10-year cumulative default rate for this niche is 0.9%, which is below the state average of 1.9% — indicating relatively lower risk.
Frequently Asked Questions
How many SBA lenders specialize in retail trade in California?
13 SBA 7(a) lenders have originated retail trade acquisition loans in California, with a combined 104 loans.
What rate can I expect for a retail trade acquisition in California?
The median rate is Prime + 1.75% (Prime + spread). This compares to a statewide median of Prime + 2.25%. Actual rates depend on loan size, borrower qualifications, and collateral.
What is the default rate for retail trade SBA loans in California?
The 10-year cumulative default rate is 0.9%, compared to a statewide average of 1.9%.
Data source: SBA 7(a) FOIA lending data. Rankings are based on loan count within the selected state and industry. Rates shown are median interest rates expressed as Prime + spread. Default rates represent 10-year cumulative default rates.
Figures shown here are historical SBA 7(a) lending data presented for general information only. They are not an offer of credit, a prediction of the terms you will receive, or financial advice. VerSquare is not a licensed broker, lender, or financial advisor. Consult a licensed professional before making a financing decision.