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County44th of 58 in California by approvalsFIPS 06069
SBA loans in San Benito 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 San Benito County, California, received 39 SBA loan approvals worth $24.8M in FY2021 to FY2025 (35 7(a), 4 504).
That is 33.4 approvals per 1,000 business establishments (1,168 establishments in 2023), below the California figure of 40.8 and below the national 41.0.
It ranks 44th of 58 California counties with approvals. In FY2025 there were 9, down 44% on FY2024.
21 lenders had approvals here; the most active were U.S. Bank, National Association (6), Wells Fargo Bank National Association (6) and West Coast Community Bank (3). 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 San Benito County
By number of approvals to businesses in the county, FY2021–FY2025; 21 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | U.S. Bank, National AssociationCincinnati, OH | 6 | $4.7M | 15.4% | |
| 2 | Wells Fargo Bank National AssociationSioux Falls, SD | 6 | $446K | 15.4% | |
| 3 | West Coast Community BankSanta Cruz, CA | 3 | $2.6M | 7.7% | |
| 4 | Newtek Bank, National AssociationMiami, FL | 3 | $850K | 7.7% | |
| 5 | Monterey County BankMonterey, CA | 2 | — | 5.1% | |
| 6 | Business Finance CapitalLos Angeles, CA · CDC | 2 | — | 5.1% | |
| 7 | BayFirst National BankSaint Petersburg, FL | 2 | — | 5.1% | |
| 8 | Northeast BankLewiston, ME | 2 | — | 5.1% | |
| 9 | Live Oak Banking CompanyWilmington, NC | 1 | — | 2.6% | |
| 10 | Advantage Certified Development CorporationLong Beach, CA · CDC | 1 | — | 2.6% | |
| 11 | First Bank of the LakeOsage Beach, MO | 1 | — | 2.6% | |
| 12 | Banc of CaliforniaLos Angeles, CA | 1 | — | 2.6% | |
| 13 | Mortgage Capital Development CorporationOakland, CA · CDC | 1 | — | 2.6% | |
| 14 | Bank of HopeLos Angeles, CA | 1 | — | 2.6% | |
| 15 | First BankSouthern Pines, NC | 1 | — | 2.6% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Restaurants and Other Eating PlacesNAICS 7225 | 7 | 17.9% | |
| 2 | Other Specialty Trade ContractorsNAICS 2389 | 5 | 12.8% | |
| 3 | Building Equipment ContractorsNAICS 2382 | 4 | 10.3% | |
| 4 | Commercial and Industrial Machinery and Equipment (except Automotive and Electronic) Repair and MaintenanceNAICS 8113 | 2 | 5.1% | |
| 5 | Traveler AccommodationNAICS 7211 | 2 | 5.1% | |
| 6 | Activities Related to Real EstateNAICS 5313 | 2 | 5.1% | |
| 7 | Child Day Care ServicesNAICS 6244 | 2 | 5.1% | |
| 8 | Management, Scientific, and Technical Consulting ServicesNAICS 5416 | 2 | 5.1% | |
| 9 | Automotive Repair and MaintenanceNAICS 8111 | 1 | 2.6% | |
| 10 | Other Amusement and Recreation IndustriesNAICS 7139 | 1 | 2.6% |
Sectors
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* | 7 | $7.1M | $170K | 0 | — | 7 | 63 |
| FY2025 | 9 | $7.7M | $150K | 0 | — | 9 | 59 |
| FY2024 | 14 | $4.4M | $228K | 2 | — | 16 | 77 |
| FY2023 | 5 | $4.3M | $549K | 1 | — | 6 | 52 |
| FY2022 | 4 | $2.2M | $266K | 1 | — | 5 | 121 |
| FY2021 | 3 | $1.7M | $600K | 0 | — | 3 | 24 |
| FY2020 | 5 | $2.3M | $200K | 2 | — | 7 | 39 |
| FY2019 | 2 | — | — | 1 | — | 3 | 13 |
| FY2018 | 5 | $2.4M | $460K | 3 | $1.6M | 8 | 56 |
| FY2017 | 9 | $5.0M | $150K | 0 | — | 9 | 60 |
| FY2016 | 13 | $9.3M | $250K | 0 | — | 13 | 185 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 40 approvals.
Against California and the country
| FY2021–FY2025 | San Benito County | California | United States |
|---|---|---|---|
| Approvals | 39 | 42,016 | 342,825 |
| Approvals per 1,000 establishments | 33.4 | 40.8 | 41.0 |
| Median 7(a) approval | $303K | $250K | $190K |
| Median 504 approval | $1.0M | $884K | $657K |
| Average approval | $635K | $733K | $573K |
| 504 share of approvals | 10.3% | 17.2% | 11.0% |
| Jobs supported per approval, as reported | 8.5 | 11.0 | 10.5 |
| Share of state approvals | 0.1% | 100.0% | — |
Approval sizes
- $50,000 or less25.6%10
- $50,001 to $150,00015.4%6
- $150,001 to $350,00012.8%5
- $350,001 to $1 million28.2%11
- $1 million to $2 million10.3%4
- Over $2 million7.7%3
Age of the businesses
- Existing, more than 2 years old59.0%23
- New business, 2 years or less17.9%7
- Startup, loan funds will open the business15.4%6
- Change of ownership5.1%2
- Not answered2.6%1
Questions and answers
Which lenders make the most SBA loans in San Benito County?
By approvals in FY2021 to FY2025: U.S. Bank, National Association (6), Wells Fargo Bank National Association (6), West Coast Community Bank (3), Newtek Bank, National Association (3), Monterey County Bank (2). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in San Benito County?
The median 7(a) approval was $303K and the median 504 approval $1.0M; the California 7(a) median was $250K.
Which industries get the most SBA loans in San Benito County?
Restaurants and Other Eating Places (7); Other Specialty Trade Contractors (5); Building Equipment Contractors (4); Commercial and Industrial Machinery and Equipment (except Automotive and Electronic) Repair and Maintenance (2); Traveler Accommodation (2).
Is SBA lending in San Benito County rising?
Approvals in the three latest complete fiscal years total 31, against 15 in the three before: rising (+107%).
How does San Benito County compare with the rest of California?
33.4 approvals per 1,000 establishments against 40.8 statewide, and 39 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