States › California › Sacramento County
County6th of 58 in California by approvalsFIPS 06067
SBA loans in Sacramento 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 1,663 loans to businesses in Sacramento County, California, in FY2021 to FY2025, worth $1.14bn: 1,406 under 7(a) and 257 under 504.
That is 48.5 approvals per 1,000 business establishments (34,280 establishments in 2023), above the California figure of 40.8 and above the national 41.0.
It ranks 6th of 58 California counties with approvals. In FY2025 there were 404, about level with FY2024.
126 lenders had approvals here; the most active were U.S. Bank, National Association (196), Wells Fargo Bank National Association (96) and Mortgage Capital Development Corporation (88). 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 Sacramento County
By number of approvals to businesses in the county, FY2021–FY2025; 126 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | U.S. Bank, National AssociationCincinnati, OH | 196 | $59.8M | 11.8% | |
| 2 | Wells Fargo Bank National AssociationSioux Falls, SD | 96 | $36.0M | 5.8% | |
| 3 | Mortgage Capital Development CorporationOakland, CA · CDC | 88 | $106M | 5.3% | |
| 4 | Northeast BankLewiston, ME | 78 | $12.2M | 4.7% | |
| 5 | Banner BankWalla Walla, WA | 63 | $18.6M | 3.8% | |
| 6 | Newtek Bank, National AssociationMiami, FL | 59 | $22.4M | 3.5% | |
| 7 | The Huntington National BankColumbus, OH | 57 | $17.1M | 3.4% | |
| 8 | California Statewide Certified Development CorporationDavis, CA · CDC | 54 | $53.2M | 3.2% | |
| 9 | Readycap Lending, LLCBerkeley Heights, NJ | 54 | $33.5M | 3.2% | |
| 10 | BayFirst National BankSaint Petersburg, FL | 52 | $9.4M | 3.1% | |
| 11 | Harvest Small Business Finance, LLCLaguna Hills, CA | 45 | $47.6M | 2.7% | |
| 12 | Celtic Bank CorporationSalt Lake City, UT | 44 | $54.2M | 2.6% | |
| 13 | Enterprise Bank & TrustClayton, MO | 44 | $41.4M | 2.6% | |
| 14 | Live Oak Banking CompanyWilmington, NC | 39 | $51.7M | 2.3% | |
| 15 | Five Star BankRancho Cordova, CA | 37 | $19.1M | 2.2% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Restaurants and Other Eating PlacesNAICS 7225 | 146 | 8.8% | |
| 2 | General Freight TruckingNAICS 4841 | 83 | 5.0% | |
| 3 | Automotive Repair and MaintenanceNAICS 8111 | 80 | 4.8% | |
| 4 | Building Equipment ContractorsNAICS 2382 | 54 | 3.2% | |
| 5 | Personal Care ServicesNAICS 8121 | 47 | 2.8% | |
| 6 | Residential Building ConstructionNAICS 2361 | 46 | 2.8% | |
| 7 | Other Amusement and Recreation IndustriesNAICS 7139 | 42 | 2.5% | |
| 8 | Continuing Care Retirement Communities and Assisted Living Facilities for the ElderlyNAICS 6233 | 40 | 2.4% | |
| 9 | Legal ServicesNAICS 5411 | 39 | 2.3% | |
| 10 | Management, Scientific, and Technical Consulting ServicesNAICS 5416 | 38 | 2.3% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Retail Trade | 259 | 15.6% | |
| 2 | Accommodation and Food Services | 192 | 11.5% | |
| 3 | Professional, Scientific, and Technical Services | 186 | 11.2% | |
| 4 | Other Services (except Public Administration) | 181 | 10.9% | |
| 5 | Health Care and Social Assistance | 180 | 10.8% | |
| 6 | Construction | 167 | 10.0% | |
| 7 | Transportation and Warehousing | 124 | 7.5% | |
| 8 | Manufacturing | 72 | 4.3% |
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* | 188 | $105M | $250K | 48 | $60.6M | 236 | 2,325 |
| FY2025 | 362 | $165M | $150K | 42 | $50.1M | 404 | 4,309 |
| FY2024 | 328 | $154M | $150K | 51 | $57.7M | 379 | 3,857 |
| FY2023 | 249 | $172M | $324K | 39 | $35.8M | 288 | 3,567 |
| FY2022 | 211 | $139M | $250K | 64 | $69.5M | 275 | 3,089 |
| FY2021 | 256 | $225M | $561K | 61 | $67.8M | 317 | 4,426 |
| FY2020 | 209 | $163M | $380K | 61 | $48.0M | 270 | 2,747 |
| FY2019 | 232 | $122M | $207K | 45 | $48.8M | 277 | 3,060 |
| FY2018 | 294 | $135M | $210K | 59 | $46.5M | 353 | 4,468 |
| FY2017 | 321 | $141M | $174K | 49 | $37.6M | 370 | 3,703 |
| FY2016 | 334 | $137M | $150K | 48 | $41.4M | 382 | 4,708 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 1,652 approvals.
Against California and the country
| FY2021–FY2025 | Sacramento County | California | United States |
|---|---|---|---|
| Approvals | 1,663 | 42,016 | 342,825 |
| Approvals per 1,000 establishments | 48.5 | 40.8 | 41.0 |
| Median 7(a) approval | $250K | $250K | $190K |
| Median 504 approval | $761K | $884K | $657K |
| Average approval | $683K | $733K | $573K |
| 504 share of approvals | 15.5% | 17.2% | 11.0% |
| Jobs supported per approval, as reported | 11.6 | 11.0 | 10.5 |
| Share of state approvals | 4.0% | 100.0% | — |
Approval sizes
- $50,000 or less20.7%345
- $50,001 to $150,00015.5%258
- $150,001 to $350,00015.3%255
- $350,001 to $1 million27.7%460
- $1 million to $2 million12.3%204
- Over $2 million8.5%141
Age of the businesses
- Existing, more than 2 years old64.8%1,077
- New business, 2 years or less17.1%285
- Startup, loan funds will open the business9.4%157
- Change of ownership8.6%143
- Not answered0.1%1
Questions and answers
Which lenders make the most SBA loans in Sacramento County?
By approvals in FY2021 to FY2025: U.S. Bank, National Association (196), Wells Fargo Bank National Association (96), Mortgage Capital Development Corporation (88), Northeast Bank (78), Banner Bank (63). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Sacramento County?
The median 7(a) approval was $250K and the median 504 approval $761K; the California 7(a) median was $250K.
Which industries get the most SBA loans in Sacramento County?
Restaurants and Other Eating Places (146); General Freight Trucking (83); Automotive Repair and Maintenance (80); Building Equipment Contractors (54); Personal Care Services (47).
Is SBA lending in Sacramento County rising?
Approvals in the three latest complete fiscal years total 1,071, against 862 in the three before: rising (+24%).
How does Sacramento County compare with the rest of California?
48.5 approvals per 1,000 establishments against 40.8 statewide, and 1,663 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