SBA by industry · CA
SBA lenders for restaurants in California
179 lenders made 2,556 SBA loans to restaurants in California in the 36 months ending September 30, 2026. U.S. Bank National Association made the most, with 246. The typical loan was about $330K.
- Evidence
- SBA 7(a) and 504 loans to restaurants in California, NAICS 722
- Data as of
- SBA, September 30, 2026
- Page last changed
- November 12, 2026
- Lenders on record
- 179
- SBA FOIA,
- SBA loans, 36 months
- 2,556
- SBA FOIA,
- 7(a) net of cancelled; 504 funded first liens
- Dollars, 36 months
- $1.43B
- SBA FOIA,
- Last 12 months
- 786
- SBA FOIA,
Cite this
Source: The Lender Report, SBA lenders for restaurants in California, https://lender.report/sba-lenders-for/restaurants/california/, data as of September 30, 2026.
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| Lender | Kind | Based in | Loans | Dollars | 7(a) | 504 | Last 12 months |
|---|---|---|---|---|---|---|---|
| U.S. Bank National Association SBA 7(a) record | Bank | Cincinnati, OH | 246 | $24.6M | 245 | 1 | 80 |
| Bank of Hope SBA 7(a) record | Bank | Los Angeles, CA | 191 | $113M | 191 | 0 | 67 |
| The Huntington National Bank SBA 7(a) record | Bank | Columbus, OH | 140 | $40.9M | 140 | 0 | 31 |
| Northeast Bank SBA 7(a) record | Bank | Portland, ME | 111 | $17.8M | 111 | 0 | 25 |
| Lendistry SBLC, LLC SBA 7(a) record | Non-bank | Los Angeles, CA | 110 | $22.4M | 110 | 0 | 20 |
| Newtek Bank, National Association SBA 7(a) record | Bank | Miami, FL | 99 | $22.6M | 99 | 0 | 50 |
| Celtic Bank SBA 7(a) record | Bank | Salt Lake City, UT | 92 | $57.4M | 92 | 0 | 29 |
| Readycap Lending, LLC SBA 7(a) record | Non-bank | Berkeley Heights, NJ | 90 | $43.9M | 90 | 0 | 8 |
| JPMorgan Chase Bank, National Association SBA 7(a) record | Bank | Columbus, OH | 69 | $35.9M | 59 | 10 | 12 |
| Wells Fargo Bank, National Association SBA 7(a) record | Bank | Sioux Falls, SD | 65 | $35.2M | 62 | 3 | 14 |
| Bank of America, National Association SBA 7(a) record | Bank | Charlotte, NC | 57 | $33.4M | 45 | 12 | 10 |
| East West Bank SBA 7(a) record | Bank | Pasadena, CA | 54 | $33.2M | 50 | 4 | 18 |
| Harvest Small Business Finance, LLC SBA 7(a) record | Non-bank | Laguna Hills, CA | 53 | $58.1M | 53 | 0 | 19 |
| Live Oak Banking Company SBA 7(a) record | Bank | Wilmington, NC | 47 | $40.8M | 47 | 0 | 13 |
| CalPrivate Bank SBA 7(a) record | Bank | La Jolla, CA | 42 | $50.4M | 28 | 14 | 13 |
| Hanmi Bank SBA 7(a) record | Bank | Los Angeles, CA | 38 | $22.3M | 38 | 0 | 13 |
| Zions Bancorporation, N.A. SBA 7(a) record | Bank | Salt Lake City, UT | 36 | $16.0M | 35 | 1 | 12 |
| Plumas Bank SBA 7(a) record | Bank | Quincy, CA | 35 | $24.4M | 34 | 1 | 6 |
| PCB Bank SBA 7(a) record | Bank | Los Angeles, CA | 35 | $19.5M | 35 | 0 | 8 |
| Open Bank SBA 7(a) record | Bank | Los Angeles, CA | 27 | $21.9M | 27 | 0 | 14 |
| Port 51 Lending LLC SBA 7(a) record | Non-bank | New York, NY | 26 | $38.6M | 26 | 0 | 13 |
| First-Citizens Bank & Trust Company SBA 7(a) record | Bank | Raleigh, NC | 24 | $24.9M | 3 | 21 | 8 |
| Columbia Bank SBA 7(a) record | Bank | Roseburg, OR | 24 | $3.61M | 23 | 1 | 9 |
| US Metro Bank SBA 7(a) record | Bank | Garden Grove, CA | 23 | $22.6M | 23 | 0 | 15 |
| VelocitySBA, LLC SBA 7(a) record | Non-bank | Irving, TX | 23 | $19.9M | 23 | 0 | 8 |
Dollars are approval amounts, rounded to 2 significant figures per loan, net of cancelled approvals.
| Industry | Loans |
|---|---|
| Full-Service Restaurants | 1,179 |
| Limited-Service Restaurants | 756 |
| Snack and Nonalcoholic Beverage Bars | 334 |
| Drinking Places (Alcoholic Beverages) | 89 |
| Caterers | 88 |
| Mobile Food Services | 63 |
| Food Service Contractors | 37 |
| Cafeterias, Grill Buffets, and Buffets | 9 |
| Loan size | Loans |
|---|---|
| Under $150K | 695 |
| $150K to $350K | 602 |
| $350K to $1M | 853 |
| $1M to $2.5M | 312 |
| $2.5M or more | 86 |
- SBA lenders recorded 2,556 loans to restaurants totaling $1.4B in California in the 36 months ending September 30, 2026, excluding cancelled approvals. SBA FOIA,
- The typical loan was about $330K, with the middle half between $100K and $680K. SBA FOIA,
- 2,373 were SBA 7(a) loans and 175 were SBA 504 first liens. SBA FOIA,
- SBA 7(a) lenders reported a median initial rate of 10.00% on 2,373 loans. SBA FOIA,
- The median term was 10 years. SBA FOIA,
- Banks and savings institutions made 2,093 of the loans, credit unions 28, and non-banks 425. SBA FOIA,
- The five most active lenders made 31.2% of the loans. SBA FOIA,
- The three most active lenders were U.S. Bank National Association with 246, Bank of Hope with 191, and The Huntington National Bank with 140. SBA FOIA,
- 695 of the loans were under $150K, and 398 were $1M or more. SBA FOIA,
- 10 of these loans were made by lenders that have since merged or closed, that the file lists under a name with no lender record here, or that the loan tape shows only at a broader industry level. They are counted in the totals here and appear in no lender's row. SBA FOIA,
- The SBA file shows 786 approvals of these loans dated in the 12 months to September 30, 2026, versus 951 in the 12 months before. Both counts leave out cancelled approvals and include 504 approvals not yet funded. SBA FOIA,
- 78 of the 179 lenders are based in California. The rest are based elsewhere, most often in Utah, North Carolina and Texas. SBA FOIA,
- The most common detailed industry in California was Full-Service Restaurants, with 1,179 loans. SBA FOIA,
How this list is defined
- Measure
- SBA loans made to restaurants in California
- Period
- October 2023 to September 2026
- Formula
- Count, by lender, of SBA 7(a) approvals and SBA 504 first liens located in California, dated in the 36 months ending September 30, 2026 and not cancelled, whose NAICS code in the SBA file falls in NAICS 722.
- Order
- Largest first by loans in the state, then dollars, then name. Payment is not part of the order.
- As of
- September 30, 2026
- Source
- SBA FOIA
- Changelog
- : First published, with the data built on this date.
What we don't know
- Whether any of these lenders is taking new SBA loans today, or how it would treat a business like yours.
- Loans that were never completed. The SBA file lists approvals, and these pages leave out the ones it marks cancelled.
- The borrower, the address and every term beyond rate and term. The public file does not show them.
Every loan counted here carried one of these NAICS codes in the SBA file, and the state of the loan is the state of the business. Loans are approvals, net of cancelled approvals. Lenders that merged or stopped filing are left out.
SBA does not require you to use an agent or broker for a loan application. SBA has not reviewed or endorsed this site.
Source and date appear beside each figure. Banks report balances, not loans made. Loans made come only from HMDA and SBA files. We do not audit filings and can make errors joining them. Report a problem
Figures come from public records and show the source and date beside them. Public records can be late, incomplete or wrong. A past loan does not mean a lender will make the same kind of loan today. Confirm anything important with the lender.