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County28th of 58 in California by approvalsFIPS 06055
SBA loans in Napa 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 Napa County, California, received 209 SBA loan approvals worth $163M in FY2021 to FY2025 (154 7(a), 55 504).
That is 46.6 approvals per 1,000 business establishments (4,486 establishments in 2023), close to the California figure of 40.8 and close to the national 41.0.
It ranks 28th of 58 California counties with approvals. In FY2025 there were 47, about level with FY2024.
49 lenders had approvals here; the most active were Mortgage Capital Development Corporation (24), Bay Area Employment Development Company (22) and Live Oak Banking Company (15). 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 Napa County
By number of approvals to businesses in the county, FY2021–FY2025; 49 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Mortgage Capital Development CorporationOakland, CA · CDC | 24 | $29.4M | 11.5% | |
| 2 | Bay Area Employment Development CompanyConcord, CA · CDC | 22 | $30.6M | 10.5% | |
| 3 | Live Oak Banking CompanyWilmington, NC | 15 | $16.8M | 7.2% | |
| 4 | U.S. Bank, National AssociationCincinnati, OH | 14 | $4.2M | 6.7% | |
| 5 | Columbia BankLake Oswego, OR | 12 | $7.1M | 5.7% | |
| 6 | Northeast BankLewiston, ME | 12 | $1.0M | 5.7% | |
| 7 | Newtek Bank, National AssociationMiami, FL | 9 | $2.1M | 4.3% | |
| 8 | Redwood CUSanta Rosa, CA | 8 | $4.9M | 3.8% | |
| 9 | BayFirst National BankSaint Petersburg, FL | 8 | $1.0M | 3.8% | |
| 10 | Wells Fargo Bank National AssociationSioux Falls, SD | 6 | $4.3M | 2.9% | |
| 11 | JPMorgan Chase Bank, National AssociationColumbus, OH | 6 | $2.5M | 2.9% | |
| 12 | Capital Access Group, Inc.San Francisco, CA · CDC | 5 | $4.2M | 2.4% | |
| 13 | The Huntington National BankColumbus, OH | 5 | $1.0M | 2.4% | |
| 14 | CDC Small Business Finance Corp.San Diego, CA | 4 | $399K | 1.9% | |
| 15 | Harvest Small Business Finance, LLCLaguna Hills, CA | 3 | $4.8M | 1.4% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Restaurants and Other Eating PlacesNAICS 7225 | 27 | 12.9% | |
| 2 | Offices of DentistsNAICS 6212 | 9 | 4.3% | |
| 3 | Beverage ManufacturingNAICS 3121 | 8 | 3.8% | |
| 4 | Offices of Other Health PractitionersNAICS 6213 | 8 | 3.8% | |
| 5 | Beer, Wine, and Distilled Alcoholic Beverage Merchant WholesalersNAICS 4248 | 8 | 3.8% | |
| 6 | Personal Care ServicesNAICS 8121 | 7 | 3.3% | |
| 7 | Residential Building ConstructionNAICS 2361 | 6 | 2.9% | |
| 8 | Offices of PhysiciansNAICS 6211 | 6 | 2.9% | |
| 9 | Support Activities for Crop ProductionNAICS 1151 | 5 | 2.4% | |
| 10 | Grocery StoresNAICS 4451 | 5 | 2.4% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Health Care and Social Assistance | 38 | 18.2% | |
| 2 | Accommodation and Food Services | 35 | 16.7% | |
| 3 | Retail Trade | 20 | 9.6% | |
| 4 | Manufacturing | 19 | 9.1% | |
| 5 | Construction | 18 | 8.6% | |
| 6 | Professional, Scientific, and Technical Services | 18 | 8.6% | |
| 7 | Wholesale Trade | 14 | 6.7% | |
| 8 | Other Services (except Public Administration) | 11 | 5.3% |
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* | 29 | $22.8M | $150K | 4 | $4.8M | 33 | 308 |
| FY2025 | 40 | $19.9M | $150K | 7 | $12.9M | 47 | 589 |
| FY2024 | 42 | $24.7M | $154K | 8 | $8.7M | 50 | 510 |
| FY2023 | 29 | $13.8M | $341K | 6 | $5.3M | 35 | 229 |
| FY2022 | 26 | $19.9M | $311K | 24 | $32.7M | 50 | 775 |
| FY2021 | 17 | $15.1M | $800K | 10 | $10.1M | 27 | 322 |
| FY2020 | 24 | $13.0M | $263K | 11 | $7.8M | 35 | 247 |
| FY2019 | 30 | $12.2M | $244K | 12 | $7.7M | 42 | 289 |
| FY2018 | 28 | $21.5M | $200K | 8 | $9.3M | 36 | 401 |
| FY2017 | 23 | $21.0M | $150K | 14 | $11.3M | 37 | 253 |
| FY2016 | 34 | $12.2M | $150K | 8 | $8.2M | 42 | 511 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 192 approvals.
Against California and the country
| FY2021–FY2025 | Napa County | California | United States |
|---|---|---|---|
| Approvals | 209 | 42,016 | 342,825 |
| Approvals per 1,000 establishments | 46.6 | 40.8 | 41.0 |
| Median 7(a) approval | $247K | $250K | $190K |
| Median 504 approval | $870K | $884K | $657K |
| Average approval | $781K | $733K | $573K |
| 504 share of approvals | 26.3% | 17.2% | 11.0% |
| Jobs supported per approval, as reported | 11.6 | 11.0 | 10.5 |
| Share of state approvals | 0.5% | 100.0% | — |
Approval sizes
- $50,000 or less15.3%32
- $50,001 to $150,00017.7%37
- $150,001 to $350,00016.3%34
- $350,001 to $1 million27.3%57
- $1 million to $2 million12.9%27
- Over $2 million10.5%22
Age of the businesses
- Existing, more than 2 years old65.6%137
- New business, 2 years or less12.9%27
- Startup, loan funds will open the business14.8%31
- Change of ownership6.7%14
Questions and answers
Which lenders make the most SBA loans in Napa County?
By approvals in FY2021 to FY2025: Mortgage Capital Development Corporation (24), Bay Area Employment Development Company (22), Live Oak Banking Company (15), U.S. Bank, National Association (14), Columbia Bank (12). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Napa County?
The median 7(a) approval was $247K and the median 504 approval $870K; the California 7(a) median was $250K.
Which industries get the most SBA loans in Napa County?
Restaurants and Other Eating Places (27); Offices of Dentists (9); Beverage Manufacturing (8); Offices of Other Health Practitioners (8); Beer, Wine, and Distilled Alcoholic Beverage Merchant Wholesalers (8).
Is SBA lending in Napa County rising?
Approvals in the three latest complete fiscal years total 132, against 112 in the three before: rising (+18%).
How does Napa County compare with the rest of California?
46.6 approvals per 1,000 establishments against 40.8 statewide, and 209 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