States › California › Mendocino County
County38th of 58 in California by approvalsFIPS 06045
SBA loans in Mendocino 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 Mendocino County, California, received 65 SBA loan approvals worth $53.4M in FY2021 to FY2025 (46 7(a), 19 504).
That is 26.7 approvals per 1,000 business establishments (2,432 establishments in 2023), below the California figure of 40.8 and below the national 41.0.
It ranks 38th of 58 California counties with approvals. In FY2025 there were 16.
26 lenders had approvals here; the most active were Capital Access Group, Inc. (8), Summit State Bank (5) and Columbia Bank (5). 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 Mendocino County
By number of approvals to businesses in the county, FY2021–FY2025; 26 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Capital Access Group, Inc.San Francisco, CA · CDC | 8 | $4.9M | 12.3% | |
| 2 | Summit State BankSanta Rosa, CA | 5 | $9.9M | 7.7% | |
| 3 | Columbia BankLake Oswego, OR | 5 | $1.5M | 7.7% | |
| 4 | Celtic Bank CorporationSalt Lake City, UT | 4 | $9.9M | 6.2% | |
| 5 | Live Oak Banking CompanyWilmington, NC | 4 | $6.1M | 6.2% | |
| 6 | Readycap Lending, LLCBerkeley Heights, NJ | 4 | $1.7M | 6.2% | |
| 7 | Arcata Economic Development CorporationEureka, CA · CDC | 4 | $1.0M | 6.2% | |
| 8 | U.S. Bank, National AssociationCincinnati, OH | 3 | $391K | 4.6% | |
| 9 | Northeast BankLewiston, ME | 3 | $160K | 4.6% | |
| 10 | Wells Fargo Bank National AssociationSioux Falls, SD | 2 | — | 3.1% | |
| 11 | Greater Sacramento Certified Development CorporationNorth Highlands, CA · CDC | 2 | — | 3.1% | |
| 12 | Plumas BankQuincy, CA | 2 | — | 3.1% | |
| 13 | Business Finance CapitalLos Angeles, CA · CDC | 2 | — | 3.1% | |
| 14 | CDC Small Business Finance Corp.San Diego, CA | 2 | — | 3.1% | |
| 15 | California FarmLinkAptos, CA | 2 | — | 3.1% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Traveler AccommodationNAICS 7211 | 10 | 15.4% | |
| 2 | Restaurants and Other Eating PlacesNAICS 7225 | 9 | 13.8% | |
| 3 | Office Supplies, Stationery, and Gift RetailersNAICS 4594 | 4 | 6.2% | |
| 4 | Gasoline StationsNAICS 4571 | 3 | 4.6% | |
| 5 | Automotive Repair and MaintenanceNAICS 8111 | 3 | 4.6% | |
| 6 | Gasoline StationsNAICS 4471 | 3 | 4.6% | |
| 7 | Beverage ManufacturingNAICS 3121 | 2 | 3.1% | |
| 8 | Other Amusement and Recreation IndustriesNAICS 7139 | 2 | 3.1% | |
| 9 | Grocery StoresNAICS 4451 | 2 | 3.1% | |
| 10 | Automotive Parts, Accessories, and Tire StoresNAICS 4413 | 2 | 3.1% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Accommodation and Food Services | 20 | 30.8% | |
| 2 | Retail Trade | 19 | 29.2% | |
| 3 | Manufacturing | 4 | 6.2% | |
| 4 | Other Services (except Public Administration) | 4 | 6.2% | |
| 5 | Construction | 4 | 6.2% | |
| 6 | Professional, Scientific, and Technical Services | 3 | 4.6% | |
| 7 | Transportation and Warehousing | 3 | 4.6% | |
| 8 | Arts, Entertainment, and Recreation | 2 | 3.1% |
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 | $6.9M | $811K | 1 | — | 7 | 112 |
| FY2025 | 10 | $977K | $55K | 6 | $2.9M | 16 | 67 |
| FY2024 | 7 | $588K | $50K | 1 | — | 8 | 30 |
| FY2023 | 8 | $5.0M | $213K | 7 | $4.1M | 15 | 250 |
| FY2022 | 6 | $13.8M | $2.2M | 4 | $5.5M | 10 | 91 |
| FY2021 | 15 | $19.4M | $1.2M | 1 | — | 16 | 212 |
| FY2020 | 8 | $7.1M | $450K | 1 | — | 9 | 37 |
| FY2019 | 5 | $3.4M | $420K | 5 | $1.7M | 10 | 37 |
| FY2018 | 11 | $10.8M | $403K | 3 | $2.1M | 14 | 85 |
| FY2017 | 10 | $8.7M | $488K | 3 | $1.0M | 13 | 91 |
| FY2016 | 9 | $3.8M | $276K | 3 | $1.4M | 12 | 63 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 58 approvals.
Against California and the country
| FY2021–FY2025 | Mendocino County | California | United States |
|---|---|---|---|
| Approvals | 65 | 42,016 | 342,825 |
| Approvals per 1,000 establishments | 26.7 | 40.8 | 41.0 |
| Median 7(a) approval | $311K | $250K | $190K |
| Median 504 approval | $391K | $884K | $657K |
| Average approval | $822K | $733K | $573K |
| 504 share of approvals | 29.2% | 17.2% | 11.0% |
| Jobs supported per approval, as reported | 10.0 | 11.0 | 10.5 |
| Share of state approvals | 0.2% | 100.0% | — |
Approval sizes
- $50,000 or less15.4%10
- $50,001 to $150,00013.8%9
- $150,001 to $350,00023.1%15
- $350,001 to $1 million21.5%14
- $1 million to $2 million9.2%6
- Over $2 million16.9%11
Age of the businesses
- Existing, more than 2 years old66.2%43
- New business, 2 years or less15.4%10
- Startup, loan funds will open the business10.8%7
- Change of ownership7.7%5
Questions and answers
Which lenders make the most SBA loans in Mendocino County?
By approvals in FY2021 to FY2025: Capital Access Group, Inc. (8), Summit State Bank (5), Columbia Bank (5), Celtic Bank Corporation (4), Live Oak Banking Company (4). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Mendocino County?
The median 7(a) approval was $311K and the median 504 approval $391K; the California 7(a) median was $250K.
Which industries get the most SBA loans in Mendocino County?
Traveler Accommodation (10); Restaurants and Other Eating Places (9); Office Supplies, Stationery, and Gift Retailers (4); Gasoline Stations (3); Automotive Repair and Maintenance (3).
Is SBA lending in Mendocino County rising?
Approvals in the three latest complete fiscal years total 39, against 35 in the three before: rising (+11%).
How does Mendocino County compare with the rest of California?
26.7 approvals per 1,000 establishments against 40.8 statewide, and 65 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