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County22nd of 58 in California by approvalsFIPS 06017
SBA loans in El Dorado 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 292 loans to businesses in El Dorado County, California, in FY2021 to FY2025, worth $198M: 250 under 7(a) and 42 under 504.
That is 58.3 approvals per 1,000 business establishments (5,005 establishments in 2023), above the California figure of 40.8 and above the national 41.0.
It ranks 22nd of 58 California counties with approvals. In FY2025 there were 72, up 16% on FY2024.
74 lenders had approvals here; the most active were U.S. Bank, National Association (28), Wells Fargo Bank National Association (18) and Mortgage Capital Development Corporation (17). 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 El Dorado County
By number of approvals to businesses in the county, FY2021–FY2025; 74 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | U.S. Bank, National AssociationCincinnati, OH | 28 | $5.0M | 9.6% | |
| 2 | Wells Fargo Bank National AssociationSioux Falls, SD | 18 | $3.1M | 6.2% | |
| 3 | Mortgage Capital Development CorporationOakland, CA · CDC | 17 | $36.2M | 5.8% | |
| 4 | Readycap Lending, LLCBerkeley Heights, NJ | 16 | $6.1M | 5.5% | |
| 5 | California Statewide Certified Development CorporationDavis, CA · CDC | 12 | $11.3M | 4.1% | |
| 6 | The Huntington National BankColumbus, OH | 12 | $4.8M | 4.1% | |
| 7 | Celtic Bank CorporationSalt Lake City, UT | 11 | $17.5M | 3.8% | |
| 8 | Columbia BankLake Oswego, OR | 11 | $491K | 3.8% | |
| 9 | Harvest Small Business Finance, LLCLaguna Hills, CA | 10 | $7.9M | 3.4% | |
| 10 | Banner BankWalla Walla, WA | 9 | $1.9M | 3.1% | |
| 11 | Plumas BankQuincy, CA | 8 | $5.8M | 2.7% | |
| 12 | Newtek Bank, National AssociationMiami, FL | 8 | $2.1M | 2.7% | |
| 13 | Live Oak Banking CompanyWilmington, NC | 7 | $8.8M | 2.4% | |
| 14 | Bank of America, National AssociationCharlotte, NC | 6 | $2.0M | 2.1% | |
| 15 | BayFirst National BankSaint Petersburg, FL | 6 | $1.3M | 2.1% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Restaurants and Other Eating PlacesNAICS 7225 | 26 | 8.9% | |
| 2 | Traveler AccommodationNAICS 7211 | 22 | 7.5% | |
| 3 | Automotive Repair and MaintenanceNAICS 8111 | 15 | 5.1% | |
| 4 | Residential Building ConstructionNAICS 2361 | 13 | 4.5% | |
| 5 | Services to Buildings and DwellingsNAICS 5617 | 10 | 3.4% | |
| 6 | Lessors of Real EstateNAICS 5311 | 9 | 3.1% | |
| 7 | Beverage ManufacturingNAICS 3121 | 8 | 2.7% | |
| 8 | Other Specialty Trade ContractorsNAICS 2389 | 8 | 2.7% | |
| 9 | Offices of Other Health PractitionersNAICS 6213 | 8 | 2.7% | |
| 10 | Management, Scientific, and Technical Consulting ServicesNAICS 5416 | 8 | 2.7% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Accommodation and Food Services | 54 | 18.5% | |
| 2 | Retail Trade | 41 | 14.0% | |
| 3 | Construction | 29 | 9.9% | |
| 4 | Other Services (except Public Administration) | 28 | 9.6% | |
| 5 | Manufacturing | 24 | 8.2% | |
| 6 | Health Care and Social Assistance | 21 | 7.2% | |
| 7 | Professional, Scientific, and Technical Services | 21 | 7.2% | |
| 8 | Administrative and Support and Waste Management and Remediation Services | 19 | 6.5% |
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* | 31 | $17.7M | $200K | 0 | — | 31 | 430 |
| FY2025 | 66 | $23.2M | $150K | 6 | $17.1M | 72 | 641 |
| FY2024 | 55 | $23.8M | $150K | 7 | $7.9M | 62 | 470 |
| FY2023 | 37 | $26.5M | $250K | 7 | $12.8M | 44 | 353 |
| FY2022 | 42 | $26.8M | $343K | 12 | $12.2M | 54 | 484 |
| FY2021 | 50 | $37.3M | $520K | 10 | $10.8M | 60 | 682 |
| FY2020 | 29 | $22.3M | $457K | 10 | $11.9M | 39 | 393 |
| FY2019 | 50 | $26.8M | $177K | 6 | $3.6M | 56 | 468 |
| FY2018 | 39 | $23.8M | $210K | 2 | — | 41 | 362 |
| FY2017 | 54 | $24.6M | $301K | 3 | $2.3M | 57 | 377 |
| FY2016 | 52 | $21.5M | $150K | 6 | $4.0M | 58 | 437 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 251 approvals.
Against California and the country
| FY2021–FY2025 | El Dorado County | California | United States |
|---|---|---|---|
| Approvals | 292 | 42,016 | 342,825 |
| Approvals per 1,000 establishments | 58.3 | 40.8 | 41.0 |
| Median 7(a) approval | $250K | $250K | $190K |
| Median 504 approval | $880K | $884K | $657K |
| Average approval | $679K | $733K | $573K |
| 504 share of approvals | 14.4% | 17.2% | 11.0% |
| Jobs supported per approval, as reported | 9.0 | 11.0 | 10.5 |
| Share of state approvals | 0.7% | 100.0% | — |
Approval sizes
- $50,000 or less18.2%53
- $50,001 to $150,00016.1%47
- $150,001 to $350,00018.8%55
- $350,001 to $1 million28.1%82
- $1 million to $2 million10.6%31
- Over $2 million8.2%24
Age of the businesses
- Existing, more than 2 years old60.6%177
- New business, 2 years or less17.8%52
- Startup, loan funds will open the business9.6%28
- Change of ownership12.0%35
Questions and answers
Which lenders make the most SBA loans in El Dorado County?
By approvals in FY2021 to FY2025: U.S. Bank, National Association (28), Wells Fargo Bank National Association (18), Mortgage Capital Development Corporation (17), Readycap Lending, LLC (16), California Statewide Certified Development Corporation (12). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in El Dorado County?
The median 7(a) approval was $250K and the median 504 approval $880K; the California 7(a) median was $250K.
Which industries get the most SBA loans in El Dorado County?
Restaurants and Other Eating Places (26); Traveler Accommodation (22); Automotive Repair and Maintenance (15); Residential Building Construction (13); Services to Buildings and Dwellings (10).
Is SBA lending in El Dorado County rising?
Approvals in the three latest complete fiscal years total 178, against 153 in the three before: rising (+16%).
How does El Dorado County compare with the rest of California?
58.3 approvals per 1,000 establishments against 40.8 statewide, and 292 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