States › California › Alameda County
County8th of 58 in California by approvalsFIPS 06001
SBA loans in Alameda County, California
7(a) and 504 approvals to businesses located in the county, set against the number of businesses there and against the state.
SBA approvals by fiscal year. The federal fiscal year runs 1 October to 30 September, so FY2025 is 1 October 2024 to 30 September 2025. *FY2026 is open: approvals to 30 Jun 2026 only.
SBA approved 1,579 loans to businesses in Alameda County, California, in FY2021 to FY2025, worth $1.19bn: 1,273 under 7(a) and 306 under 504.
That is 37.3 approvals per 1,000 business establishments (42,318 establishments in 2023), close to the California figure of 40.8 and close to the national 41.0.
It ranks 8th of 58 California counties with approvals. In FY2025 there were 413, up 20% on FY2024.
126 lenders had approvals here; the most active were U.S. Bank, National Association (171), Mortgage Capital Development Corporation (160) and Wells Fargo Bank National Association (98). The most common industry was restaurants and other eating places.
Loan status is as recorded by SBA at the data date; charge-off rates are computed on loans approved at least five fiscal years ago. Jobs supported are self-reported estimates from the SBA loan application, which SBA does not review, audit or validate. Data through 30 Jun 2026.
Lenders most active in Alameda County
By number of approvals to businesses in the county, FY2021–FY2025; 126 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | U.S. Bank, National AssociationCincinnati, OH | 171 | $69.8M | 10.8% | |
| 2 | Mortgage Capital Development CorporationOakland, CA · CDC | 160 | $207M | 10.1% | |
| 3 | Wells Fargo Bank National AssociationSioux Falls, SD | 98 | $35.8M | 6.2% | |
| 4 | The Huntington National BankColumbus, OH | 66 | $15.6M | 4.2% | |
| 5 | Northeast BankLewiston, ME | 66 | $12.1M | 4.2% | |
| 6 | Live Oak Banking CompanyWilmington, NC | 63 | $87.7M | 4.0% | |
| 7 | Bay Area Employment Development CompanyConcord, CA · CDC | 53 | $55.3M | 3.4% | |
| 8 | BayFirst National BankSaint Petersburg, FL | 47 | $7.8M | 3.0% | |
| 9 | JPMorgan Chase Bank, National AssociationColumbus, OH | 46 | $13.4M | 2.9% | |
| 10 | Readycap Lending, LLCBerkeley Heights, NJ | 46 | $12.2M | 2.9% | |
| 11 | Capital Access Group, Inc.San Francisco, CA · CDC | 43 | $57.5M | 2.7% | |
| 12 | Fremont BankFremont, CA | 37 | $51.8M | 2.3% | |
| 13 | Celtic Bank CorporationSalt Lake City, UT | 37 | $28.3M | 2.3% | |
| 14 | Newtek Bank, National AssociationMiami, FL | 35 | $23.6M | 2.2% | |
| 15 | East West BankPasadena, CA | 34 | $26.9M | 2.2% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Restaurants and Other Eating PlacesNAICS 7225 | 160 | 10.1% | |
| 2 | Automotive Repair and MaintenanceNAICS 8111 | 50 | 3.2% | |
| 3 | Building Equipment ContractorsNAICS 2382 | 49 | 3.1% | |
| 4 | Management, Scientific, and Technical Consulting ServicesNAICS 5416 | 44 | 2.8% | |
| 5 | Other Professional, Scientific, and Technical ServicesNAICS 5419 | 40 | 2.5% | |
| 6 | Grocery StoresNAICS 4451 | 38 | 2.4% | |
| 7 | Child Day Care ServicesNAICS 6244 | 37 | 2.3% | |
| 8 | Computer Systems Design and Related ServicesNAICS 5415 | 36 | 2.3% | |
| 9 | Offices of DentistsNAICS 6212 | 34 | 2.2% | |
| 10 | Other Amusement and Recreation IndustriesNAICS 7139 | 34 | 2.2% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Retail Trade | 214 | 13.6% | |
| 2 | Accommodation and Food Services | 207 | 13.1% | |
| 3 | Professional, Scientific, and Technical Services | 200 | 12.7% | |
| 4 | Health Care and Social Assistance | 165 | 10.4% | |
| 5 | Construction | 160 | 10.1% | |
| 6 | Other Services (except Public Administration) | 137 | 8.7% | |
| 7 | Manufacturing | 120 | 7.6% | |
| 8 | Transportation and Warehousing | 85 | 5.4% |
Approvals by fiscal year
| Fiscal year | 7(a) approvals | 7(a) dollars | Median 7(a) | 504 approvals | 504 dollars | All approvals | Jobs supported, as reported |
|---|---|---|---|---|---|---|---|
| FY2026* | 170 | $89.4M | $250K | 43 | $68.2M | 213 | 2,362 |
| FY2025 | 347 | $172M | $210K | 66 | $82.4M | 413 | 3,474 |
| FY2024 | 299 | $163M | $200K | 44 | $49.0M | 343 | 4,427 |
| FY2023 | 213 | $141M | $261K | 55 | $74.4M | 268 | 3,418 |
| FY2022 | 202 | $140M | $350K | 72 | $91.0M | 274 | 3,143 |
| FY2021 | 212 | $203M | $651K | 69 | $80.2M | 281 | 3,615 |
| FY2020 | 208 | $146M | $365K | 55 | $52.8M | 263 | 2,643 |
| FY2019 | 252 | $126M | $254K | 67 | $70.4M | 319 | 3,443 |
| FY2018 | 275 | $161M | $250K | 62 | $69.4M | 337 | 3,961 |
| FY2017 | 311 | $160M | $150K | 58 | $66.7M | 369 | 3,614 |
| FY2016 | 404 | $149M | $150K | 70 | $67.9M | 474 | 4,129 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 1,762 approvals.
Against California and the country
| FY2021–FY2025 | Alameda County | California | United States |
|---|---|---|---|
| Approvals | 1,579 | 42,016 | 342,825 |
| Approvals per 1,000 establishments | 37.3 | 40.8 | 41.0 |
| Median 7(a) approval | $300K | $250K | $190K |
| Median 504 approval | $877K | $884K | $657K |
| Average approval | $757K | $733K | $573K |
| 504 share of approvals | 19.4% | 17.2% | 11.0% |
| Jobs supported per approval, as reported | 11.4 | 11.0 | 10.5 |
| Share of state approvals | 3.8% | 100.0% | — |
Approval sizes
- $50,000 or less16.6%262
- $50,001 to $150,00013.9%220
- $150,001 to $350,00017.4%275
- $350,001 to $1 million27.8%439
- $1 million to $2 million14.7%232
- Over $2 million9.6%151
Age of the businesses
- Existing, more than 2 years old67.1%1,059
- New business, 2 years or less15.3%242
- Startup, loan funds will open the business8.2%129
- Change of ownership9.4%149
Questions and answers
Which lenders make the most SBA loans in Alameda County?
By approvals in FY2021 to FY2025: U.S. Bank, National Association (171), Mortgage Capital Development Corporation (160), Wells Fargo Bank National Association (98), The Huntington National Bank (66), Northeast Bank (66). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Alameda County?
The median 7(a) approval was $300K and the median 504 approval $877K; the California 7(a) median was $250K.
Which industries get the most SBA loans in Alameda County?
Restaurants and Other Eating Places (160); Automotive Repair and Maintenance (50); Building Equipment Contractors (49); Management, Scientific, and Technical Consulting Services (44); Other Professional, Scientific, and Technical Services (40).
Is SBA lending in Alameda County rising?
Approvals in the three latest complete fiscal years total 1,024, against 818 in the three before: rising (+25%).
How does Alameda County compare with the rest of California?
37.3 approvals per 1,000 establishments against 40.8 statewide, and 1,579 of the state's 42,016 approvals.
About these figures
Figures are totals of the Small Business Administration's 7(a) and 504 FOIA loan files, data through 30 Jun 2026. SBA updates the files quarterly. Counts are loan approvals, including approvals later cancelled; the five-year window is FY2021–FY2025, the five latest complete fiscal years. Charge-off rates use only loans approved in FY2010–FY2021, at least five fiscal years ago, and count disbursed loans SBA records as charged off. Loans are listed under the lender they are assigned to today. Establishment counts are from the Census Bureau's County Business Patterns 2023, which leaves out most farms, government and businesses without employees. Dollar figures behind fewer than three approvals are not shown, and no borrower is named anywhere on this site.Methodology · Report an error