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County30th of 58 in California by approvalsFIPS 06007
SBA loans in Butte 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 Butte County, California, received 169 SBA loan approvals worth $120M in FY2021 to FY2025 (126 7(a), 43 504).
That is 36.1 approvals per 1,000 business establishments (4,677 establishments in 2023), close to the California figure of 40.8 and close to the national 41.0.
It ranks 30th of 58 California counties with approvals. In FY2025 there were 32, about level with FY2024.
46 lenders had approvals here; the most active were U.S. Bank, National Association (26), Greater Sacramento Certified Development Corporation (18) and Superior California Economic Development, Inc. (11). The most common industry was automotive repair and maintenance.
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 Butte County
By number of approvals to businesses in the county, FY2021–FY2025; 46 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | U.S. Bank, National AssociationCincinnati, OH | 26 | $7.0M | 15.4% | |
| 2 | Greater Sacramento Certified Development CorporationNorth Highlands, CA · CDC | 18 | $20.2M | 10.7% | |
| 3 | Superior California Economic Development, Inc.Redding, CA · CDC | 11 | $5.1M | 6.5% | |
| 4 | Banner BankWalla Walla, WA | 8 | $1.7M | 4.7% | |
| 5 | Wells Fargo Bank National AssociationSioux Falls, SD | 8 | $613K | 4.7% | |
| 6 | California Statewide Certified Development CorporationDavis, CA · CDC | 6 | $9.5M | 3.6% | |
| 7 | Readycap Lending, LLCBerkeley Heights, NJ | 6 | $7.7M | 3.6% | |
| 8 | BayFirst National BankSaint Petersburg, FL | 6 | $804K | 3.6% | |
| 9 | Golden Valley BankChico, CA | 5 | $3.0M | 3.0% | |
| 10 | Five Star BankRancho Cordova, CA | 5 | $2.0M | 3.0% | |
| 11 | CDC Small Business Finance Corp.San Diego, CA · CDC | 4 | $5.8M | 2.4% | |
| 12 | Live Oak Banking CompanyWilmington, NC | 4 | $4.5M | 2.4% | |
| 13 | Plumas BankQuincy, CA | 4 | $2.2M | 2.4% | |
| 14 | JPMorgan Chase Bank, National AssociationColumbus, OH | 4 | $1.5M | 2.4% | |
| 15 | The Huntington National BankColumbus, OH | 4 | $1.5M | 2.4% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Automotive Repair and MaintenanceNAICS 8111 | 12 | 7.1% | |
| 2 | Restaurants and Other Eating PlacesNAICS 7225 | 11 | 6.5% | |
| 3 | Building Equipment ContractorsNAICS 2382 | 9 | 5.3% | |
| 4 | Offices of Other Health PractitionersNAICS 6213 | 8 | 4.7% | |
| 5 | Gasoline StationsNAICS 4471 | 5 | 3.0% | |
| 6 | Automotive Parts, Accessories, and Tire StoresNAICS 4413 | 5 | 3.0% | |
| 7 | Services to Buildings and DwellingsNAICS 5617 | 5 | 3.0% | |
| 8 | Other Amusement and Recreation IndustriesNAICS 7139 | 4 | 2.4% | |
| 9 | Offices of PhysiciansNAICS 6211 | 4 | 2.4% | |
| 10 | Utility System ConstructionNAICS 2371 | 4 | 2.4% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Retail Trade | 32 | 18.9% | |
| 2 | Construction | 23 | 13.6% | |
| 3 | Other Services (except Public Administration) | 20 | 11.8% | |
| 4 | Health Care and Social Assistance | 19 | 11.2% | |
| 5 | Accommodation and Food Services | 15 | 8.9% | |
| 6 | Professional, Scientific, and Technical Services | 13 | 7.7% | |
| 7 | Manufacturing | 11 | 6.5% | |
| 8 | Administrative and Support and Waste Management and Remediation Services | 10 | 5.9% |
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* | 19 | $6.8M | $250K | 4 | $4.6M | 23 | 245 |
| FY2025 | 24 | $9.8M | $281K | 8 | $12.2M | 32 | 420 |
| FY2024 | 28 | $12.7M | $225K | 6 | $5.7M | 34 | 330 |
| FY2023 | 24 | $13.5M | $280K | 4 | $3.4M | 28 | 370 |
| FY2022 | 20 | $5.8M | $125K | 17 | $19.5M | 37 | 536 |
| FY2021 | 30 | $29.1M | $350K | 8 | $8.9M | 38 | 352 |
| FY2020 | 20 | $16.0M | $386K | 4 | $3.1M | 24 | 241 |
| FY2019 | 22 | $8.1M | $194K | 10 | $6.5M | 32 | 428 |
| FY2018 | 27 | $11.8M | $150K | 14 | $12.7M | 41 | 365 |
| FY2017 | 36 | $21.1M | $265K | 6 | $3.2M | 42 | 424 |
| FY2016 | 34 | $15.4M | $210K | 12 | $6.5M | 46 | 496 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 185 approvals.
Against California and the country
| FY2021–FY2025 | Butte County | California | United States |
|---|---|---|---|
| Approvals | 169 | 42,016 | 342,825 |
| Approvals per 1,000 establishments | 36.1 | 40.8 | 41.0 |
| Median 7(a) approval | $273K | $250K | $190K |
| Median 504 approval | $516K | $884K | $657K |
| Average approval | $713K | $733K | $573K |
| 504 share of approvals | 25.4% | 17.2% | 11.0% |
| Jobs supported per approval, as reported | 11.9 | 11.0 | 10.5 |
| Share of state approvals | 0.4% | 100.0% | — |
Approval sizes
- $50,000 or less20.7%35
- $50,001 to $150,00010.7%18
- $150,001 to $350,00021.9%37
- $350,001 to $1 million26.6%45
- $1 million to $2 million10.1%17
- Over $2 million10.1%17
Age of the businesses
- Existing, more than 2 years old69.8%118
- New business, 2 years or less16.6%28
- Startup, loan funds will open the business7.1%12
- Change of ownership6.5%11
Questions and answers
Which lenders make the most SBA loans in Butte County?
By approvals in FY2021 to FY2025: U.S. Bank, National Association (26), Greater Sacramento Certified Development Corporation (18), Superior California Economic Development, Inc. (11), Banner Bank (8), Wells Fargo Bank National Association (8). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Butte County?
The median 7(a) approval was $273K and the median 504 approval $516K; the California 7(a) median was $250K.
Which industries get the most SBA loans in Butte County?
Automotive Repair and Maintenance (12); Restaurants and Other Eating Places (11); Building Equipment Contractors (9); Offices of Other Health Practitioners (8); Gasoline Stations (5).
Is SBA lending in Butte County rising?
Approvals in the three latest complete fiscal years total 94, against 99 in the three before: broadly level (-5%).
How does Butte County compare with the rest of California?
36.1 approvals per 1,000 establishments against 40.8 statewide, and 169 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