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County43rd of 58 in California by approvalsFIPS 06009
SBA loans in Calaveras 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 Calaveras County, California, received 39 SBA loan approvals worth $23.3M in FY2021 to FY2025 (36 7(a), 3 504).
That is 39.6 approvals per 1,000 business establishments (986 establishments in 2023), close to the California figure of 40.8 and close to the national 41.0.
It ranks 43rd of 58 California counties with approvals. In FY2025 there were 8.
19 lenders had approvals here; the most active were Columbia Bank (8), Readycap Lending, LLC (5) and U.S. Bank, National Association (4). The most common industry was residential building construction.
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 Calaveras County
By number of approvals to businesses in the county, FY2021–FY2025; 19 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Columbia BankLake Oswego, OR | 8 | $1.3M | 20.5% | |
| 2 | Readycap Lending, LLCBerkeley Heights, NJ | 5 | $2.4M | 12.8% | |
| 3 | U.S. Bank, National AssociationCincinnati, OH | 4 | $904K | 10.3% | |
| 4 | Northeast BankLewiston, ME | 3 | $196K | 7.7% | |
| 5 | Open BankLos Angeles, CA | 2 | — | 5.1% | |
| 6 | East West BankPasadena, CA | 2 | — | 5.1% | |
| 7 | Celtic Bank CorporationSalt Lake City, UT | 2 | — | 5.1% | |
| 8 | Enterprise Bank & TrustClayton, MO | 2 | — | 5.1% | |
| 9 | IncredibleBankWausau, WI | 1 | — | 2.6% | |
| 10 | Business Finance CapitalLos Angeles, CA · CDC | 1 | — | 2.6% | |
| 11 | Live Oak Banking CompanyWilmington, NC | 1 | — | 2.6% | |
| 12 | Greater Sacramento Certified Development CorporationNorth Highlands, CA · CDC | 1 | — | 2.6% | |
| 13 | The Bancorp Bank National AssociationSioux Falls, SD | 1 | — | 2.6% | |
| 14 | Cen Cal Business Finance GroupFresno, CA · CDC | 1 | — | 2.6% | |
| 15 | Plumas BankQuincy, CA | 1 | — | 2.6% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Residential Building ConstructionNAICS 2361 | 5 | 12.8% | |
| 2 | Traveler AccommodationNAICS 7211 | 3 | 7.7% | |
| 3 | Gasoline StationsNAICS 4571 | 2 | 5.1% | |
| 4 | Automotive Repair and MaintenanceNAICS 8111 | 2 | 5.1% | |
| 5 | Restaurants and Other Eating PlacesNAICS 7225 | 2 | 5.1% | |
| 6 | Gasoline StationsNAICS 4471 | 2 | 5.1% | |
| 7 | Building Equipment ContractorsNAICS 2382 | 2 | 5.1% | |
| 8 | Accounting, Tax Preparation, Bookkeeping, and Payroll ServicesNAICS 5412 | 2 | 5.1% | |
| 9 | Other Specialty Trade ContractorsNAICS 2389 | 2 | 5.1% | |
| 10 | Death Care ServicesNAICS 8122 | 1 | 2.6% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Construction | 11 | 28.2% | |
| 2 | Retail Trade | 7 | 17.9% | |
| 3 | Accommodation and Food Services | 6 | 15.4% | |
| 4 | Other Services (except Public Administration) | 5 | 12.8% | |
| 5 | Professional, Scientific, and Technical Services | 3 | 7.7% | |
| 6 | Arts, Entertainment, and Recreation | 1 | 2.6% | |
| 7 | Real Estate and Rental and Leasing | 1 | 2.6% | |
| 8 | Transportation and Warehousing | 1 | 2.6% |
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* | 9 | $891K | $85K | 1 | — | 10 | 41 |
| FY2025 | 7 | $2.8M | $100K | 1 | — | 8 | 41 |
| FY2024 | 9 | $1.8M | $40K | 0 | — | 9 | 28 |
| FY2023 | 6 | $3.3M | $115K | 0 | — | 6 | 23 |
| FY2022 | 4 | $3.8M | $590K | 2 | — | 6 | 24 |
| FY2021 | 10 | $9.2M | $598K | 0 | — | 10 | 83 |
| FY2020 | 3 | $1.2M | $465K | 3 | $4.0M | 6 | 31 |
| FY2019 | 3 | $115K | $20K | 0 | — | 3 | 4 |
| FY2018 | 4 | $993K | $232K | 1 | — | 5 | 25 |
| FY2017 | 8 | $4.2M | $332K | 1 | — | 9 | 28 |
| FY2016 | 5 | $1.1M | $300K | 0 | — | 5 | 21 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 28 approvals.
Against California and the country
| FY2021–FY2025 | Calaveras County | California | United States |
|---|---|---|---|
| Approvals | 39 | 42,016 | 342,825 |
| Approvals per 1,000 establishments | 39.6 | 40.8 | 41.0 |
| Median 7(a) approval | $276K | $250K | $190K |
| Median 504 approval | $754K | $884K | $657K |
| Average approval | $598K | $733K | $573K |
| 504 share of approvals | 7.7% | 17.2% | 11.0% |
| Jobs supported per approval, as reported | 5.1 | 11.0 | 10.5 |
| Share of state approvals | 0.1% | 100.0% | — |
Approval sizes
- $50,000 or less30.8%12
- $50,001 to $150,00012.8%5
- $150,001 to $350,00010.3%4
- $350,001 to $1 million23.1%9
- $1 million to $2 million17.9%7
- Over $2 million5.1%2
Age of the businesses
- Existing, more than 2 years old33.3%13
- New business, 2 years or less43.6%17
- Startup, loan funds will open the business7.7%3
- Change of ownership15.4%6
Questions and answers
Which lenders make the most SBA loans in Calaveras County?
By approvals in FY2021 to FY2025: Columbia Bank (8), Readycap Lending, LLC (5), U.S. Bank, National Association (4), Northeast Bank (3), Open Bank (2). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Calaveras County?
The median 7(a) approval was $276K and the median 504 approval $754K; the California 7(a) median was $250K.
Which industries get the most SBA loans in Calaveras County?
Residential Building Construction (5); Traveler Accommodation (3); Gasoline Stations (2); Automotive Repair and Maintenance (2); Restaurants and Other Eating Places (2).
Is SBA lending in Calaveras County rising?
Approvals in the three latest complete fiscal years total 23, against 22 in the three before: broadly level (+5%).
How does Calaveras County compare with the rest of California?
39.6 approvals per 1,000 establishments against 40.8 statewide, and 39 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