States › California › Marin County
County23rd of 58 in California by approvalsFIPS 06041
SBA loans in Marin 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 291 loans to businesses in Marin County, California, in FY2021 to FY2025, worth $166M: 233 under 7(a) and 58 under 504.
That is 29.0 approvals per 1,000 business establishments (10,049 establishments in 2023), below the California figure of 40.8 and below the national 41.0.
It ranks 23rd of 58 California counties with approvals. In FY2025 there were 86, up 37% on FY2024.
60 lenders had approvals here; the most active were Mortgage Capital Development Corporation (20), Wells Fargo Bank National Association (19) and BayFirst National Bank (18). 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 Marin County
By number of approvals to businesses in the county, FY2021–FY2025; 60 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Mortgage Capital Development CorporationOakland, CA · CDC | 20 | $22.7M | 6.9% | |
| 2 | Wells Fargo Bank National AssociationSioux Falls, SD | 19 | $6.5M | 6.5% | |
| 3 | BayFirst National BankSaint Petersburg, FL | 18 | $2.4M | 6.2% | |
| 4 | U.S. Bank, National AssociationCincinnati, OH | 16 | $4.8M | 5.5% | |
| 5 | Capital Access Group, Inc.San Francisco, CA · CDC | 15 | $12.7M | 5.2% | |
| 6 | Bay Area Employment Development CompanyConcord, CA · CDC | 15 | $12.4M | 5.2% | |
| 7 | The Huntington National BankColumbus, OH | 15 | $5.1M | 5.2% | |
| 8 | Northeast BankLewiston, ME | 15 | $1.8M | 5.2% | |
| 9 | Newtek Bank, National AssociationMiami, FL | 14 | $4.2M | 4.8% | |
| 10 | Readycap Lending, LLCBerkeley Heights, NJ | 11 | $2.3M | 3.8% | |
| 11 | Celtic Bank CorporationSalt Lake City, UT | 11 | $1.4M | 3.8% | |
| 12 | Live Oak Banking CompanyWilmington, NC | 8 | $15.3M | 2.7% | |
| 13 | Redwood CUSanta Rosa, CA | 8 | $2.3M | 2.7% | |
| 14 | Plumas BankQuincy, CA | 7 | $2.8M | 2.4% | |
| 15 | Harvest Small Business Finance, LLCLaguna Hills, CA | 6 | $11.0M | 2.1% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Restaurants and Other Eating PlacesNAICS 7225 | 31 | 10.7% | |
| 2 | Automotive Repair and MaintenanceNAICS 8111 | 12 | 4.1% | |
| 3 | Residential Building ConstructionNAICS 2361 | 12 | 4.1% | |
| 4 | Other Specialty Trade ContractorsNAICS 2389 | 10 | 3.4% | |
| 5 | Services to Buildings and DwellingsNAICS 5617 | 10 | 3.4% | |
| 6 | Personal Care ServicesNAICS 8121 | 10 | 3.4% | |
| 7 | Management, Scientific, and Technical Consulting ServicesNAICS 5416 | 9 | 3.1% | |
| 8 | Grocery and Related Product Merchant WholesalersNAICS 4244 | 8 | 2.7% | |
| 9 | Other Professional, Scientific, and Technical ServicesNAICS 5419 | 8 | 2.7% | |
| 10 | Accounting, Tax Preparation, Bookkeeping, and Payroll ServicesNAICS 5412 | 7 | 2.4% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Professional, Scientific, and Technical Services | 47 | 16.2% | |
| 2 | Construction | 41 | 14.1% | |
| 3 | Accommodation and Food Services | 37 | 12.7% | |
| 4 | Other Services (except Public Administration) | 33 | 11.3% | |
| 5 | Retail Trade | 27 | 9.3% | |
| 6 | Manufacturing | 21 | 7.2% | |
| 7 | Health Care and Social Assistance | 20 | 6.9% | |
| 8 | Wholesale Trade | 13 | 4.5% |
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* | 44 | $25.0M | $350K | 6 | $5.0M | 50 | 564 |
| FY2025 | 71 | $37.9M | $216K | 15 | $15.2M | 86 | 703 |
| FY2024 | 59 | $21.0M | $150K | 4 | $3.0M | 63 | 585 |
| FY2023 | 37 | $11.8M | $150K | 8 | $5.9M | 45 | 265 |
| FY2022 | 39 | $18.3M | $230K | 14 | $10.4M | 53 | 441 |
| FY2021 | 27 | $21.4M | $327K | 17 | $20.9M | 44 | 569 |
| FY2020 | 24 | $19.5M | $250K | 11 | $8.1M | 35 | 558 |
| FY2019 | 41 | $20.8M | $200K | 10 | $11.7M | 51 | 569 |
| FY2018 | 45 | $16.7M | $150K | 16 | $17.6M | 61 | 450 |
| FY2017 | 53 | $19.3M | $160K | 10 | $8.2M | 63 | 644 |
| FY2016 | 76 | $28.2M | $150K | 16 | $12.3M | 92 | 790 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 302 approvals.
Against California and the country
| FY2021–FY2025 | Marin County | California | United States |
|---|---|---|---|
| Approvals | 291 | 42,016 | 342,825 |
| Approvals per 1,000 establishments | 29.0 | 40.8 | 41.0 |
| Median 7(a) approval | $200K | $250K | $190K |
| Median 504 approval | $761K | $884K | $657K |
| Average approval | $570K | $733K | $573K |
| 504 share of approvals | 19.9% | 17.2% | 11.0% |
| Jobs supported per approval, as reported | 8.8 | 11.0 | 10.5 |
| Share of state approvals | 0.7% | 100.0% | — |
Approval sizes
- $50,000 or less15.5%45
- $50,001 to $150,00021.3%62
- $150,001 to $350,00021.3%62
- $350,001 to $1 million25.8%75
- $1 million to $2 million11.7%34
- Over $2 million4.5%13
Age of the businesses
- Existing, more than 2 years old67.7%197
- New business, 2 years or less16.8%49
- Startup, loan funds will open the business8.2%24
- Change of ownership7.2%21
Questions and answers
Which lenders make the most SBA loans in Marin County?
By approvals in FY2021 to FY2025: Mortgage Capital Development Corporation (20), Wells Fargo Bank National Association (19), BayFirst National Bank (18), U.S. Bank, National Association (16), Capital Access Group, Inc. (15). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Marin County?
The median 7(a) approval was $200K and the median 504 approval $761K; the California 7(a) median was $250K.
Which industries get the most SBA loans in Marin County?
Restaurants and Other Eating Places (31); Automotive Repair and Maintenance (12); Residential Building Construction (12); Other Specialty Trade Contractors (10); Services to Buildings and Dwellings (10).
Is SBA lending in Marin County rising?
Approvals in the three latest complete fiscal years total 194, against 132 in the three before: rising (+47%).
How does Marin County compare with the rest of California?
29.0 approvals per 1,000 establishments against 40.8 statewide, and 291 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