SBA Lenders in California
81 SBA-approved lenders headquartered in California (CA) plus 10 more that actively fund California borrowers. Tell us about your deal and we'll match you with the right capital source.
Who are the top SBA lenders in California?
PeerSense tracks 81 SBA-approved lenders headquartered in California (CA), plus 10 out-of-state lenders that actively fund California borrowers. Top by California-specific volume: Bank of Hope, Banc of California, Hanmi Bank. California HQ lenders have collectively originated $59.7B in SBA volume.
— PeerSense Capital Advisory · Westfield IN · Updated May 16, 2026
Sources: SBA 7(a) & 504 Loan Data, FDIC BankFind
Top SBA Lenders Headquartered in California
Ranked by total SBA loan activity. Click any bank for the full profile, NAICS specialization, and franchise lending history.
| Lender | State | Activity | Profile |
|---|---|---|---|
| Bank of Hope | CA | High Volume | View Profile → |
| Hanmi Bank | CA | High Volume | View Profile → |
| Banc of California | CA | High Volume | View Profile → |
| East West Bank | CA | High Volume | View Profile → |
| Five Star Bank | CA | High Volume | View Profile → |
| Bank of America California, National Association | CA | High Volume | View Profile → |
| Lendistry SBLC, LLC | CA | High Volume | View Profile → |
| Wachovia SBA Lending, Inc. | CA | High Volume | View Profile → |
| PCB Bank | CA | High Volume | View Profile → |
| Mechanics Bank | CA | High Volume | View Profile → |
| Citizens Business Bank National Association | CA | High Volume | View Profile → |
| City National Bank | CA | High Volume | View Profile → |
| Community West Bank | CA | High Volume | View Profile → |
| Commonwealth Business Bank | CA | High Volume | View Profile → |
| Harvest Small Business Finance, LLC | CA | High Volume | View Profile → |
| CDC Small Business Finance Corp. | CA | High Volume | View Profile → |
| United Business Bank | CA | High Volume | View Profile → |
| Open Bank | CA | High Volume | View Profile → |
| Heritage Bank of Commerce | CA | High Volume | View Profile → |
| Bank of the Sierra | CA | High Volume | View Profile → |
Bank of Hope
CAHanmi Bank
CABanc of California
CAEast West Bank
CAFive Star Bank
CABank of America California, National Association
CALendistry SBLC, LLC
CAWachovia SBA Lending, Inc.
CAPCB Bank
CAMechanics Bank
CACitizens Business Bank National Association
CACity National Bank
CACommunity West Bank
CACommonwealth Business Bank
CAHarvest Small Business Finance, LLC
CACDC Small Business Finance Corp.
CAUnited Business Bank
CAOpen Bank
CAHeritage Bank of Commerce
CABank of the Sierra
CAOut-of-State Lenders Actively Funding California Borrowers
National banks and multi-state regionals frequently fund California deals at competitive rates — often with faster underwriting than local-only banks. Ranked by California-specific SBA volume.
Celtic Bank Corporation
HQ UT · 273 CA loans · $441.3M CA volume
Columbia Bank
HQ OR · 438 CA loans · $265.9M CA volume
Comerica Bank
HQ TX · 434 CA loans · $192.8M CA volume
Enterprise Bank & Trust
HQ MO · 144 CA loans · $178.8M CA volume
Byline Bank
HQ IL · 101 CA loans · $116.9M CA volume
BMO Bank National Association
HQ IL · 228 CA loans · $101.7M CA volume
First-Citizens Bank & Trust Company
HQ NC · 135 CA loans · $75.4M CA volume
First Bank of the Lake
HQ MO · 124 CA loans · $57.3M CA volume
Banner Bank
HQ WA · 96 CA loans · $55.6M CA volume
Citizens Bank
HQ TN · 105 CA loans · $54.0M CA volume
Looking for an SBA Lender in California?
PeerSense matches your deal with the right capital source from our network of 81+ California lenders and hundreds more nationwide. No retainers — referral fee established upfront and paid at closing.
SBA Lending in California
California is home to 81 SBA-approved lenders that have collectively originated $59.7B in SBA loan volume. These lenders serve businesses across the state through the SBA 7(a) and 504 loan programs, providing financing for acquisitions, commercial real estate, equipment, and working capital.
Whether you're acquiring a business in California, expanding an existing operation, or purchasing commercial property, SBA financing offers competitive terms with government-backed guarantees. PeerSense analyzes each lender's activity, deal preferences, and specializations to help you find the best fit.
How PeerSense Helps California Borrowers
We're a commercial lending advisory firm headquartered in Westfield, Indiana — not a lender. We structure and place deals across SBA, CMBS, private credit, equipment financing, and more. Our team reviews your transaction, identifies the right capital sources, and makes warm introductions to lenders actively funding deals like yours. Most clients receive their first lender introduction within one business day.
Other Capital Programs for California Borrowers
PeerSense covers the full commercial capital stack for California operators — beyond SBA. Compare current rates and structures.
CMBS Conduit
5.60–7.10%10-yr non-recourse fixed, $5M–$500M+, fully assumable
Bridge Loans
9.00–14.00%12–36 mo transitional, SOFR + 470-970 bps, 65-75% LTV
DSCR Investor
5.95–8.50%30-yr fixed rental, qualifies on property cash flow
Equipment Financing
5.50–12.00%Loan, lease, SBA 504, vendor, captive — Section 179 eligible
Hotel Financing
5.85–11.75%CMBS + SBA 504 + bridge + PIP across all flags
Mezzanine Debt
11.00–18.00%Subordinate to senior, $1M–$50M, capital stack fill
Private Credit
7.80–18.00%Non-bank flexibility, unitranche, recap, transitional
Invoice Factoring + ABL
0.5–3.5% / 30dB2B receivables, trucking / staffing / construction / govt
No-Doc CRE
7.50–11.50%Limited-doc commercial, asset-based underwriting
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