States › California › Madera County
County36th of 58 in California by approvalsFIPS 06039
SBA loans in Madera 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 Madera County, California, received 85 SBA loan approvals worth $94.9M in FY2021 to FY2025 (66 7(a), 19 504).
That is 35.9 approvals per 1,000 business establishments (2,366 establishments in 2023), close to the California figure of 40.8 and close to the national 41.0.
It ranks 36th of 58 California counties with approvals. In FY2025 there were 21, up 40% on FY2024.
31 lenders had approvals here; the most active were Celtic Bank Corporation (9), Cen Cal Business Finance Group (8) and Commonwealth Business Bank (6). The most common industry was gasoline stations.
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 Madera County
By number of approvals to businesses in the county, FY2021–FY2025; 31 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Celtic Bank CorporationSalt Lake City, UT | 9 | $25.7M | 10.6% | |
| 2 | Cen Cal Business Finance GroupFresno, CA · CDC | 8 | $5.0M | 9.4% | |
| 3 | Commonwealth Business BankLos Angeles, CA | 6 | $8.2M | 7.1% | |
| 4 | Wells Fargo Bank National AssociationSioux Falls, SD | 6 | $600K | 7.1% | |
| 5 | California Statewide Certified Development CorporationDavis, CA · CDC | 4 | $6.6M | 4.7% | |
| 6 | Live Oak Banking CompanyWilmington, NC | 4 | $5.8M | 4.7% | |
| 7 | FFB BankFresno, CA | 4 | $3.0M | 4.7% | |
| 8 | Community West BankFresno, CA | 4 | $1.3M | 4.7% | |
| 9 | Readycap Lending, LLCBerkeley Heights, NJ | 4 | $577K | 4.7% | |
| 10 | Mortgage Capital Development CorporationOakland, CA · CDC | 3 | $3.6M | 3.5% | |
| 11 | The Huntington National BankColumbus, OH | 3 | $850K | 3.5% | |
| 12 | Northeast BankLewiston, ME | 3 | $380K | 3.5% | |
| 13 | Enterprise Bank & TrustClayton, MO | 2 | — | 2.4% | |
| 14 | CDC Small Business Finance Corp.San Diego, CA · CDC | 2 | — | 2.4% | |
| 15 | VelocitySBA, LLCIrving, TX | 2 | — | 2.4% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Gasoline StationsNAICS 4571 | 11 | 12.9% | |
| 2 | Grocery StoresNAICS 4451 | 8 | 9.4% | |
| 3 | Lessors of Real EstateNAICS 5311 | 4 | 4.7% | |
| 4 | Traveler AccommodationNAICS 7211 | 4 | 4.7% | |
| 5 | Restaurants and Other Eating PlacesNAICS 7225 | 4 | 4.7% | |
| 6 | Management, Scientific, and Technical Consulting ServicesNAICS 5416 | 3 | 3.5% | |
| 7 | Machine Shops; Turned Product; and Screw, Nut, and Bolt ManufacturingNAICS 3327 | 2 | 2.4% | |
| 8 | Building Equipment ContractorsNAICS 2382 | 2 | 2.4% | |
| 9 | Offices of Other Health PractitionersNAICS 6213 | 2 | 2.4% | |
| 10 | Automotive Repair and MaintenanceNAICS 8111 | 2 | 2.4% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Retail Trade | 27 | 31.8% | |
| 2 | Accommodation and Food Services | 9 | 10.6% | |
| 3 | Construction | 9 | 10.6% | |
| 4 | Professional, Scientific, and Technical Services | 7 | 8.2% | |
| 5 | Manufacturing | 6 | 7.1% | |
| 6 | Health Care and Social Assistance | 6 | 7.1% | |
| 7 | Real Estate and Rental and Leasing | 5 | 5.9% | |
| 8 | Administrative and Support and Waste Management and Remediation Services | 4 | 4.7% |
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* | 18 | $23.2M | $554K | 2 | — | 20 | 317 |
| FY2025 | 14 | $12.4M | $251K | 7 | $7.1M | 21 | 403 |
| FY2024 | 11 | $4.5M | $361K | 4 | $2.2M | 15 | 101 |
| FY2023 | 16 | $29.0M | $625K | 1 | — | 17 | 115 |
| FY2022 | 12 | $14.3M | $868K | 4 | $7.3M | 16 | 226 |
| FY2021 | 13 | $9.2M | $600K | 3 | $7.5M | 16 | 108 |
| FY2020 | 17 | $15.2M | $300K | 4 | $1.9M | 21 | 180 |
| FY2019 | 9 | $5.8M | $442K | 3 | $3.8M | 12 | 123 |
| FY2018 | 17 | $11.4M | $221K | 2 | — | 19 | 129 |
| FY2017 | 22 | $12.6M | $201K | 2 | — | 24 | 197 |
| FY2016 | 27 | $14.2M | $150K | 1 | — | 28 | 269 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 104 approvals.
Against California and the country
| FY2021–FY2025 | Madera County | California | United States |
|---|---|---|---|
| Approvals | 85 | 42,016 | 342,825 |
| Approvals per 1,000 establishments | 35.9 | 40.8 | 41.0 |
| Median 7(a) approval | $378K | $250K | $190K |
| Median 504 approval | $958K | $884K | $657K |
| Average approval | $1.1M | $733K | $573K |
| 504 share of approvals | 22.4% | 17.2% | 11.0% |
| Jobs supported per approval, as reported | 11.2 | 11.0 | 10.5 |
| Share of state approvals | 0.2% | 100.0% | — |
Approval sizes
- $50,000 or less14.1%12
- $50,001 to $150,0009.4%8
- $150,001 to $350,00014.1%12
- $350,001 to $1 million28.2%24
- $1 million to $2 million16.5%14
- Over $2 million17.6%15
Age of the businesses
- Existing, more than 2 years old62.4%53
- New business, 2 years or less17.6%15
- Startup, loan funds will open the business7.1%6
- Change of ownership12.9%11
Questions and answers
Which lenders make the most SBA loans in Madera County?
By approvals in FY2021 to FY2025: Celtic Bank Corporation (9), Cen Cal Business Finance Group (8), Commonwealth Business Bank (6), Wells Fargo Bank National Association (6), California Statewide Certified Development Corporation (4). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Madera County?
The median 7(a) approval was $378K and the median 504 approval $958K; the California 7(a) median was $250K.
Which industries get the most SBA loans in Madera County?
Gasoline Stations (11); Grocery Stores (8); Lessors of Real Estate (4); Traveler Accommodation (4); Restaurants and Other Eating Places (4).
Is SBA lending in Madera County rising?
Approvals in the three latest complete fiscal years total 53, against 53 in the three before: broadly level (0%).
How does Madera County compare with the rest of California?
35.9 approvals per 1,000 establishments against 40.8 statewide, and 85 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