States › California › Riverside County
County4th of 58 in California by approvalsFIPS 06065
SBA loans in Riverside 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 2,556 loans to businesses in Riverside County, California, in FY2021 to FY2025, worth $1.78bn: 2,089 under 7(a) and 467 under 504.
That is 55.3 approvals per 1,000 business establishments (46,244 establishments in 2023), above the California figure of 40.8 and above the national 41.0.
It ranks 4th of 58 California counties with approvals. In FY2025 there were 607, about level with FY2024.
156 lenders had approvals here; the most active were U.S. Bank, National Association (381), Business Finance Capital (141) and Wells Fargo Bank National Association (129). 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 Riverside County
By number of approvals to businesses in the county, FY2021–FY2025; 156 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | U.S. Bank, National AssociationCincinnati, OH | 381 | $82.5M | 14.9% | |
| 2 | Business Finance CapitalLos Angeles, CA · CDC | 141 | $153M | 5.5% | |
| 3 | Wells Fargo Bank National AssociationSioux Falls, SD | 129 | $28.4M | 5.0% | |
| 4 | Readycap Lending, LLCBerkeley Heights, NJ | 83 | $58.3M | 3.2% | |
| 5 | JPMorgan Chase Bank, National AssociationColumbus, OH | 80 | $31.3M | 3.1% | |
| 6 | CDC Small Business Finance Corp.San Diego, CA · CDC | 78 | $77.5M | 3.1% | |
| 7 | Newtek Bank, National AssociationMiami, FL | 77 | $25.5M | 3.0% | |
| 8 | The Huntington National BankColumbus, OH | 76 | $23.7M | 3.0% | |
| 9 | Northeast BankLewiston, ME | 76 | $12.3M | 3.0% | |
| 10 | CDC Small Business Finance Corp.San Diego, CA | 70 | $13.3M | 2.7% | |
| 11 | BayFirst National BankSaint Petersburg, FL | 70 | $10.6M | 2.7% | |
| 12 | Harvest Small Business Finance, LLCLaguna Hills, CA | 68 | $75.0M | 2.7% | |
| 13 | Mortgage Capital Development CorporationOakland, CA · CDC | 67 | $83.5M | 2.6% | |
| 14 | California Statewide Certified Development CorporationDavis, CA · CDC | 66 | $83.2M | 2.6% | |
| 15 | AMPAC Tri-State CDC, Inc.Ontario, CA · CDC | 61 | $74.1M | 2.4% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Restaurants and Other Eating PlacesNAICS 7225 | 236 | 9.2% | |
| 2 | Building Equipment ContractorsNAICS 2382 | 123 | 4.8% | |
| 3 | Automotive Repair and MaintenanceNAICS 8111 | 108 | 4.2% | |
| 4 | General Freight TruckingNAICS 4841 | 87 | 3.4% | |
| 5 | Other Specialty Trade ContractorsNAICS 2389 | 80 | 3.1% | |
| 6 | Services to Buildings and DwellingsNAICS 5617 | 59 | 2.3% | |
| 7 | Residential Building ConstructionNAICS 2361 | 57 | 2.2% | |
| 8 | Offices of Other Health PractitionersNAICS 6213 | 56 | 2.2% | |
| 9 | Traveler AccommodationNAICS 7211 | 53 | 2.1% | |
| 10 | Building Finishing ContractorsNAICS 2383 | 52 | 2.0% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Construction | 419 | 16.4% | |
| 2 | Retail Trade | 333 | 13.0% | |
| 3 | Accommodation and Food Services | 318 | 12.4% | |
| 4 | Other Services (except Public Administration) | 232 | 9.1% | |
| 5 | Health Care and Social Assistance | 228 | 8.9% | |
| 6 | Professional, Scientific, and Technical Services | 204 | 8.0% | |
| 7 | Manufacturing | 175 | 6.8% | |
| 8 | Transportation and Warehousing | 158 | 6.2% |
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* | 329 | $164M | $250K | 58 | $96.2M | 387 | 3,931 |
| FY2025 | 524 | $233M | $150K | 83 | $116M | 607 | 5,740 |
| FY2024 | 530 | $235M | $150K | 80 | $99.6M | 610 | 5,799 |
| FY2023 | 368 | $195M | $200K | 98 | $130M | 466 | 5,616 |
| FY2022 | 326 | $235M | $284K | 98 | $120M | 424 | 5,278 |
| FY2021 | 341 | $314M | $540K | 108 | $106M | 449 | 5,519 |
| FY2020 | 295 | $182M | $200K | 85 | $81.7M | 380 | 4,165 |
| FY2019 | 368 | $201M | $206K | 80 | $79.6M | 448 | 4,401 |
| FY2018 | 441 | $258M | $250K | 77 | $77.1M | 518 | 6,265 |
| FY2017 | 428 | $240M | $200K | 59 | $54.3M | 487 | 6,212 |
| FY2016 | 471 | $216M | $150K | 61 | $44.1M | 532 | 6,073 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 2,365 approvals.
Against California and the country
| FY2021–FY2025 | Riverside County | California | United States |
|---|---|---|---|
| Approvals | 2,556 | 42,016 | 342,825 |
| Approvals per 1,000 establishments | 55.3 | 40.8 | 41.0 |
| Median 7(a) approval | $230K | $250K | $190K |
| Median 504 approval | $812K | $884K | $657K |
| Average approval | $698K | $733K | $573K |
| 504 share of approvals | 18.3% | 17.2% | 11.0% |
| Jobs supported per approval, as reported | 10.9 | 11.0 | 10.5 |
| Share of state approvals | 6.1% | 100.0% | — |
Approval sizes
- $50,000 or less22.1%566
- $50,001 to $150,00014.9%381
- $150,001 to $350,00017.6%450
- $350,001 to $1 million25.0%639
- $1 million to $2 million11.2%286
- Over $2 million9.2%234
Age of the businesses
- Existing, more than 2 years old66.1%1,689
- New business, 2 years or less17.8%454
- Startup, loan funds will open the business9.3%238
- Change of ownership6.7%171
- Not answered0.2%4
Questions and answers
Which lenders make the most SBA loans in Riverside County?
By approvals in FY2021 to FY2025: U.S. Bank, National Association (381), Business Finance Capital (141), Wells Fargo Bank National Association (129), Readycap Lending, LLC (83), JPMorgan Chase Bank, National Association (80). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Riverside County?
The median 7(a) approval was $230K and the median 504 approval $812K; the California 7(a) median was $250K.
Which industries get the most SBA loans in Riverside County?
Restaurants and Other Eating Places (236); Building Equipment Contractors (123); Automotive Repair and Maintenance (108); General Freight Trucking (87); Other Specialty Trade Contractors (80).
Is SBA lending in Riverside County rising?
Approvals in the three latest complete fiscal years total 1,683, against 1,253 in the three before: rising (+34%).
How does Riverside County compare with the rest of California?
55.3 approvals per 1,000 establishments against 40.8 statewide, and 2,556 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