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County39th of 58 in California by approvalsFIPS 06031
SBA loans in Kings 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 Kings County, California, received 56 SBA loan approvals worth $55.4M in FY2021 to FY2025 (45 7(a), 11 504).
That is 30.8 approvals per 1,000 business establishments (1,821 establishments in 2023), below the California figure of 40.8 and below the national 41.0.
It ranks 39th of 58 California counties with approvals. In FY2025 there were 17, up 13% on FY2024.
30 lenders had approvals here; the most active were Cen Cal Business Finance Group (5), Readycap Lending, LLC (5) and Celtic Bank Corporation (4). 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 Kings County
By number of approvals to businesses in the county, FY2021–FY2025; 30 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Cen Cal Business Finance GroupFresno, CA · CDC | 5 | $1.5M | 8.9% | |
| 2 | Readycap Lending, LLCBerkeley Heights, NJ | 5 | $210K | 8.9% | |
| 3 | Celtic Bank CorporationSalt Lake City, UT | 4 | $11.3M | 7.1% | |
| 4 | Mortgage Capital Development CorporationOakland, CA · CDC | 4 | $10.9M | 7.1% | |
| 5 | Colony BankFitzgerald, GA | 4 | $6.3M | 7.1% | |
| 6 | West Coast Community BankSanta Cruz, CA | 3 | $3.9M | 5.4% | |
| 7 | Northeast BankLewiston, ME | 3 | $600K | 5.4% | |
| 8 | Citizens BankElizabethton, TN | 2 | — | 3.6% | |
| 9 | JPMorgan Chase Bank, National AssociationColumbus, OH | 2 | — | 3.6% | |
| 10 | BayFirst National BankSaint Petersburg, FL | 2 | — | 3.6% | |
| 11 | Lendistry SBLC, LLCLos Angeles, CA | 2 | — | 3.6% | |
| 12 | Newtek Bank, National AssociationMiami, FL | 2 | — | 3.6% | |
| 13 | Mission Valley BankSun Valley, CA | 1 | — | 1.8% | |
| 14 | Plumas BankQuincy, CA | 1 | — | 1.8% | |
| 15 | FFB BankFresno, CA | 1 | — | 1.8% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Traveler AccommodationNAICS 7211 | 7 | 12.5% | |
| 2 | Other Professional, Scientific, and Technical ServicesNAICS 5419 | 5 | 8.9% | |
| 3 | Automotive Repair and MaintenanceNAICS 8111 | 5 | 8.9% | |
| 4 | Gasoline StationsNAICS 4571 | 4 | 7.1% | |
| 5 | Gasoline StationsNAICS 4471 | 4 | 7.1% | |
| 6 | Restaurants and Other Eating PlacesNAICS 7225 | 2 | 3.6% | |
| 7 | Other Amusement and Recreation IndustriesNAICS 7139 | 2 | 3.6% | |
| 8 | Accounting, Tax Preparation, Bookkeeping, and Payroll ServicesNAICS 5412 | 2 | 3.6% | |
| 9 | Legal ServicesNAICS 5411 | 2 | 3.6% | |
| 10 | Office Supplies, Stationery, and Gift RetailersNAICS 4594 | 2 | 3.6% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Retail Trade | 14 | 25.0% | |
| 2 | Accommodation and Food Services | 9 | 16.1% | |
| 3 | Professional, Scientific, and Technical Services | 9 | 16.1% | |
| 4 | Other Services (except Public Administration) | 7 | 12.5% | |
| 5 | Agriculture, Forestry, Fishing and Hunting | 3 | 5.4% | |
| 6 | Construction | 3 | 5.4% | |
| 7 | Arts, Entertainment, and Recreation | 2 | 3.6% | |
| 8 | Health Care and Social Assistance | 2 | 3.6% |
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* | 6 | $5.3M | $910K | 2 | — | 8 | 37 |
| FY2025 | 15 | $7.3M | $150K | 2 | — | 17 | 113 |
| FY2024 | 13 | $13.2M | $500K | 2 | — | 15 | 121 |
| FY2023 | 6 | $9.8M | $625K | 3 | $1.9M | 9 | 56 |
| FY2022 | 5 | $4.9M | $203K | 2 | — | 7 | 36 |
| FY2021 | 6 | $5.9M | $798K | 2 | — | 8 | 59 |
| FY2020 | 7 | $14.0M | $1.7M | 1 | — | 8 | 196 |
| FY2019 | 5 | $7.5M | $1.0M | 1 | — | 6 | 46 |
| FY2018 | 11 | $9.5M | $517K | 1 | — | 12 | 134 |
| FY2017 | 8 | $3.3M | $296K | 0 | — | 8 | 51 |
| FY2016 | 8 | $3.2M | $125K | 0 | — | 8 | 78 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 42 approvals.
Against California and the country
| FY2021–FY2025 | Kings County | California | United States |
|---|---|---|---|
| Approvals | 56 | 42,016 | 342,825 |
| Approvals per 1,000 establishments | 30.8 | 40.8 | 41.0 |
| Median 7(a) approval | $350K | $250K | $190K |
| Median 504 approval | $553K | $884K | $657K |
| Average approval | $989K | $733K | $573K |
| 504 share of approvals | 19.6% | 17.2% | 11.0% |
| Jobs supported per approval, as reported | 6.9 | 11.0 | 10.5 |
| Share of state approvals | 0.1% | 100.0% | — |
Approval sizes
- $50,000 or less16.1%9
- $50,001 to $150,00017.9%10
- $150,001 to $350,00016.1%9
- $350,001 to $1 million16.1%9
- $1 million to $2 million19.6%11
- Over $2 million14.3%8
Age of the businesses
- Existing, more than 2 years old67.9%38
- New business, 2 years or less12.5%7
- Startup, loan funds will open the business16.1%9
- Change of ownership3.6%2
Questions and answers
Which lenders make the most SBA loans in Kings County?
By approvals in FY2021 to FY2025: Cen Cal Business Finance Group (5), Readycap Lending, LLC (5), Celtic Bank Corporation (4), Mortgage Capital Development Corporation (4), Colony Bank (4). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Kings County?
The median 7(a) approval was $350K and the median 504 approval $553K; the California 7(a) median was $250K.
Which industries get the most SBA loans in Kings County?
Traveler Accommodation (7); Other Professional, Scientific, and Technical Services (5); Automotive Repair and Maintenance (5); Gasoline Stations (4); Gasoline Stations (4).
Is SBA lending in Kings County rising?
Approvals in the three latest complete fiscal years total 41, against 23 in the three before: rising (+78%).
How does Kings County compare with the rest of California?
30.8 approvals per 1,000 establishments against 40.8 statewide, and 56 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