Columbia Bank Jiffy Lube SBA Loans in California — 4 Funded
California loan data 1997–2012 · Updated April 2026
Columbia Bank has funded 4 SBA loans to Jiffy Lube franchisees in California, totaling $1.4M in approved financing across 3 cities.
The average Jiffy Lube loan in California from Columbia Bank is $361K at a 5.5% average interest rate, with terms averaging 111 months. The California default rate is 0% based on 4 resolved loans. California represents 66.7% of Columbia Bank's total Jiffy Lube lending nationally.
How California Compares to Columbia Bank's National Jiffy Lube Lending
Looking to fund a Jiffy Lube franchise in California?
Columbia Bank is one of 11+ lenders who have funded Jiffy Lube in California. We can help you compare options and connect with lenders experienced in this brand and state — no retainers, referral fee at closing.
Columbia Bank Jiffy Lube Loan Performance in California
Based on 4 SBA loans originated by Columbia Bank for Jiffy Lube franchisees with California addresses, the California-specific lending relationship spans 1997–2012. Of 4 resolved California loans, 4 were paid in full and 0 resulted in chargeoffs.
The California loan size range extends from $50K to $538K, indicating Columbia Bank funds both smaller single-unit Jiffy Lube operations and larger multi-unit or renovation projects in California. Each loan supports an average of 11 jobs in the local economy.
The 0% California default rate is a strong indicator of loan quality. This suggestsColumbia Bank has effective underwriting standards for Jiffy Lube deals in California and/or California Jiffy Lube franchisees have strong unit economics that support debt service. For prospective California borrowers, this is an encouraging signal — Columbia Bankunderstands the Jiffy Lube business model in this market and has a track record of successful outcomes here.
SBA Programs Used for Jiffy Lube Loans in California
| Program | Loans | Avg Size | Avg Rate | Avg Term |
|---|---|---|---|---|
| SBA 7A | 4 | $361K | 5.5% | 111 mo |
Where in California Columbia Bank Funds Jiffy Lube Locations
| City | Loans | Avg Loan Size | Total Volume | Default Rate |
|---|---|---|---|---|
| Redding | 2 | $294K | $588K | 0% — Low Risk |
| Vista | 1 | $345K | $345K | 0% — Low Risk |
| Red Bluff | 1 | $512K | $512K | 0% — Low Risk |
Columbia Bank's strongest Jiffy Lube lending presence in California is concentrated in Redding (2 loans), Vista (1 loans), Red Bluff (1 loans).
Columbia Bank Jiffy Lube Lending in California Over Time
| Year | Loans | Avg Size | Total Volume | Avg Rate |
|---|---|---|---|---|
| 2012 | 1 | $538K | $538K | 5.5% |
| 2011 | 1 | $50K | $50K | 5.5% |
| 2005 | 1 | $512K | $512K | — |
| 1997 | 1 | $345K | $345K | — |
Other Lenders That Fund Jiffy Lube in California
Columbia Bank is not the only lender funding Jiffy Lube in California. Compare 10 other banks who have originated Jiffy Lube SBA loans to California borrowers.
| Lender | California Loans | Avg Size | Default Rate |
|---|---|---|---|
| Columbia Bank (this page) | 4 | $361K | 0% — Low Risk |
| Wells Fargo Bank National Association | 11 | $479K | 0% — Low Risk |
| So Cal CDC | 6 | $288K | 0% — Low Risk |
| Advantage Certified Developmen | 4 | $1.1M | 0% — Low Risk |
| California Statewide Certified | 4 | $491K | 0% — Low Risk |
| Live Oak Banking Company | 3 | $1.4M | 0% — Low Risk |
| Readycap Lending, LLC | 3 | $1.0M | 33.3% — High Risk |
| Luminate Bank | 2 | $1.8M | 0% — Low Risk |
| SBA - EDF Enforcement Action | 2 | $425K | 0% — Low Risk |
| Bank of America, National Association | 2 | $58K | 0% — Low Risk |
| US Metro Bank | 2 | $850K | N/A |
Other Franchises Columbia Bank Funds in California
Columbia Bank is active in California franchise lending beyond Jiffy Lube. Other California franchise brands they have funded:
How to Get an SBA Loan for a Jiffy Lube Franchise in California
If you're considering a Jiffy Lube franchise in California and want to finance through Columbia Bank or another SBA lender, here's what you need to know based on our analysis of 4 historical California loans.
Verify Your Qualifications
Most SBA franchise loans require a 680+ credit score, 20-30% down payment, and relevant industry or management experience.Jiffy Lube's franchise fee and total investment determine minimum capital requirements.
Compare California Lenders
11 lenders have funded Jiffy Lube in California. Lenders with more local Jiffy Lube experience typically close faster because they understand both the brand and the local market. Compare rates, default rates, and city coverage above.
Get Pre-Qualified
PeerSense matches California borrowers with lenders who have a proven track record funding Jiffy Lube in your state. No retainers — our referral fee is paid at closing. Get matched in 24 hours.
Expected loan terms based on California historical data: The average Jiffy Lube SBA loan from Columbia Bank in California is $361K with a 5.5% interest rate and a 111-month term.California loan amounts range from $50K to $538K.
Ready to Fund Your Jiffy Lube Franchise in California?
We connect you with lenders who have already funded Jiffy Lube in California — so you can compare terms and close with confidence. No retainers. Referral fee paid at closing.