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County46th of 58 in California by approvalsFIPS 06005
SBA loans in Amador 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.
Businesses in Amador County, California, received 30 SBA loan approvals worth $31.6M in FY2021 to FY2025 (26 7(a), 4 504).
That is 34.6 approvals per 1,000 business establishments (868 establishments in 2023), below the California figure of 40.8 and below the national 41.0.
It ranks 46th of 58 California counties with approvals. In FY2025 there were 9.
22 lenders had approvals here; the most active were Live Oak Banking Company (3), U.S. Bank, National Association (3) and PNC Bank, National Association (3). The most common industry was traveler accommodation.
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 Amador County
By number of approvals to businesses in the county, FY2021–FY2025; 22 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Live Oak Banking CompanyWilmington, NC | 3 | $4.9M | 10.0% | |
| 2 | U.S. Bank, National AssociationCincinnati, OH | 3 | $2.8M | 10.0% | |
| 3 | PNC Bank, National AssociationWilmington, DE | 3 | $145K | 10.0% | |
| 4 | Plumas BankQuincy, CA | 2 | — | 6.7% | |
| 5 | Main Street LaunchOakland, CA | 2 | — | 6.7% | |
| 6 | Celtic Bank CorporationSalt Lake City, UT | 1 | — | 3.3% | |
| 7 | Commonwealth Business BankLos Angeles, CA | 1 | — | 3.3% | |
| 8 | East West BankPasadena, CA | 1 | — | 3.3% | |
| 9 | West Coast Community BankSanta Cruz, CA | 1 | — | 3.3% | |
| 10 | CalPrivate BankLa Jolla, CA | 1 | — | 3.3% | |
| 11 | Bay Area Employment Development CompanyConcord, CA · CDC | 1 | — | 3.3% | |
| 12 | Heritage Bank IncBurlington, KY | 1 | — | 3.3% | |
| 13 | Summit State BankSanta Rosa, CA | 1 | — | 3.3% | |
| 14 | Wells Fargo Bank National AssociationSioux Falls, SD | 1 | — | 3.3% | |
| 15 | BayFirst National BankSaint Petersburg, FL | 1 | — | 3.3% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Traveler AccommodationNAICS 7211 | 3 | 10.0% | |
| 2 | Building Material and Supplies DealersNAICS 4441 | 3 | 10.0% | |
| 3 | Gasoline StationsNAICS 4571 | 2 | 6.7% | |
| 4 | Other Professional, Scientific, and Technical ServicesNAICS 5419 | 2 | 6.7% | |
| 5 | Restaurants and Other Eating PlacesNAICS 7225 | 2 | 6.7% | |
| 6 | Building Equipment ContractorsNAICS 2382 | 2 | 6.7% | |
| 7 | Grocery StoresNAICS 4451 | 1 | 3.3% | |
| 8 | Continuing Care Retirement Communities and Assisted Living Facilities for the ElderlyNAICS 6233 | 1 | 3.3% | |
| 9 | Other Miscellaneous Store RetailersNAICS 4539 | 1 | 3.3% | |
| 10 | Activities Related to Real EstateNAICS 5313 | 1 | 3.3% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Retail Trade | 8 | 26.7% | |
| 2 | Accommodation and Food Services | 6 | 20.0% | |
| 3 | Construction | 4 | 13.3% | |
| 4 | Professional, Scientific, and Technical Services | 3 | 10.0% | |
| 5 | Administrative and Support and Waste Management and Remediation Services | 2 | 6.7% | |
| 6 | Health Care and Social Assistance | 1 | 3.3% | |
| 7 | Real Estate and Rental and Leasing | 1 | 3.3% | |
| 8 | Other Services (except Public Administration) | 1 | 3.3% |
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* | 3 | $4.2M | $1.9M | 1 | — | 4 | 54 |
| FY2025 | 8 | $6.3M | $226K | 1 | — | 9 | 64 |
| FY2024 | 7 | $6.7M | $350K | 1 | — | 8 | 41 |
| FY2023 | 3 | $3.1M | $700K | 0 | — | 3 | 130 |
| FY2022 | 6 | $9.8M | $1.4M | 2 | — | 8 | 97 |
| FY2021 | 2 | — | — | 0 | — | 2 | 28 |
| FY2020 | 4 | $6.1M | $852K | 2 | — | 6 | 46 |
| FY2019 | 4 | $1.2M | $271K | 0 | — | 4 | 30 |
| FY2018 | 5 | $1.8M | $438K | 1 | — | 6 | 29 |
| FY2017 | 5 | $5.0M | $138K | 0 | — | 5 | 38 |
| FY2016 | 6 | $2.6M | $103K | 1 | — | 7 | 22 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 28 approvals.
Against California and the country
| FY2021–FY2025 | Amador County | California | United States |
|---|---|---|---|
| Approvals | 30 | 42,016 | 342,825 |
| Approvals per 1,000 establishments | 34.6 | 40.8 | 41.0 |
| Median 7(a) approval | $490K | $250K | $190K |
| Median 504 approval | $335K | $884K | $657K |
| Average approval | $1.1M | $733K | $573K |
| 504 share of approvals | 13.3% | 17.2% | 11.0% |
| Jobs supported per approval, as reported | 12.0 | 11.0 | 10.5 |
| Share of state approvals | 0.1% | 100.0% | — |
Approval sizes
- $50,000 or less13.3%4
- $50,001 to $150,00013.3%4
- $150,001 to $350,00016.7%5
- $350,001 to $1 million20.0%6
- $1 million to $2 million20.0%6
- Over $2 million16.7%5
Age of the businesses
- Existing, more than 2 years old43.3%13
- New business, 2 years or less30.0%9
- Change of ownership26.7%8
Questions and answers
Which lenders make the most SBA loans in Amador County?
By approvals in FY2021 to FY2025: Live Oak Banking Company (3), U.S. Bank, National Association (3), PNC Bank, National Association (3), Plumas Bank (2), Main Street Launch (2). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Amador County?
The median 7(a) approval was $490K and the median 504 approval $335K; the California 7(a) median was $250K.
Which industries get the most SBA loans in Amador County?
Traveler Accommodation (3); Building Material and Supplies Dealers (3); Gasoline Stations (2); Other Professional, Scientific, and Technical Services (2); Restaurants and Other Eating Places (2).
Is SBA lending in Amador County rising?
Approvals in the three latest complete fiscal years total 20, against 16 in the three before: rising (+25%).
How does Amador County compare with the rest of California?
34.6 approvals per 1,000 establishments against 40.8 statewide, and 30 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