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County5th of 58 in California by approvalsFIPS 06071
SBA loans in San Bernardino 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 2,322 loans to businesses in San Bernardino County, California, in FY2021 to FY2025, worth $1.81bn: 1,932 under 7(a) and 390 under 504.
That is 54.5 approvals per 1,000 business establishments (42,571 establishments in 2023), above the California figure of 40.8 and above the national 41.0.
It ranks 5th of 58 California counties with approvals. In FY2025 there were 602, up 21% on FY2024.
158 lenders had approvals here; the most active were U.S. Bank, National Association (376), Business Finance Capital (101) and Northeast Bank (100). 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 Bernardino County
By number of approvals to businesses in the county, FY2021–FY2025; 158 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | U.S. Bank, National AssociationCincinnati, OH | 376 | $87.7M | 16.2% | |
| 2 | Business Finance CapitalLos Angeles, CA · CDC | 101 | $149M | 4.3% | |
| 3 | Northeast BankLewiston, ME | 100 | $12.9M | 4.3% | |
| 4 | Wells Fargo Bank National AssociationSioux Falls, SD | 96 | $23.4M | 4.1% | |
| 5 | JPMorgan Chase Bank, National AssociationColumbus, OH | 86 | $34.0M | 3.7% | |
| 6 | Harvest Small Business Finance, LLCLaguna Hills, CA | 73 | $88.3M | 3.1% | |
| 7 | Readycap Lending, LLCBerkeley Heights, NJ | 70 | $39.7M | 3.0% | |
| 8 | Newtek Bank, National AssociationMiami, FL | 66 | $33.4M | 2.8% | |
| 9 | California Statewide Certified Development CorporationDavis, CA · CDC | 64 | $83.2M | 2.8% | |
| 10 | Bank of America, National AssociationCharlotte, NC | 63 | $33.7M | 2.7% | |
| 11 | The Huntington National BankColumbus, OH | 62 | $18.4M | 2.7% | |
| 12 | Lendistry SBLC, LLCLos Angeles, CA | 57 | $11.5M | 2.5% | |
| 13 | BayFirst National BankSaint Petersburg, FL | 56 | $12.1M | 2.4% | |
| 14 | AMPAC Tri-State CDC, Inc.Ontario, CA · CDC | 55 | $61.6M | 2.4% | |
| 15 | Mortgage Capital Development CorporationOakland, CA · CDC | 52 | $81.8M | 2.2% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Restaurants and Other Eating PlacesNAICS 7225 | 193 | 8.3% | |
| 2 | General Freight TruckingNAICS 4841 | 153 | 6.6% | |
| 3 | Automotive Repair and MaintenanceNAICS 8111 | 113 | 4.9% | |
| 4 | Building Equipment ContractorsNAICS 2382 | 80 | 3.4% | |
| 5 | Traveler AccommodationNAICS 7211 | 49 | 2.1% | |
| 6 | Offices of PhysiciansNAICS 6211 | 49 | 2.1% | |
| 7 | Services to Buildings and DwellingsNAICS 5617 | 47 | 2.0% | |
| 8 | Miscellaneous Durable Goods Merchant WholesalersNAICS 4239 | 45 | 1.9% | |
| 9 | Gasoline StationsNAICS 4571 | 43 | 1.9% | |
| 10 | Management, Scientific, and Technical Consulting ServicesNAICS 5416 | 43 | 1.9% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Retail Trade | 366 | 15.8% | |
| 2 | Accommodation and Food Services | 272 | 11.7% | |
| 3 | Construction | 258 | 11.1% | |
| 4 | Transportation and Warehousing | 234 | 10.1% | |
| 5 | Health Care and Social Assistance | 203 | 8.7% | |
| 6 | Other Services (except Public Administration) | 197 | 8.5% | |
| 7 | Professional, Scientific, and Technical Services | 178 | 7.7% | |
| 8 | Wholesale Trade | 169 | 7.3% |
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* | 261 | $121M | $208K | 60 | $89.3M | 321 | 2,859 |
| FY2025 | 527 | $231M | $150K | 75 | $101M | 602 | 5,720 |
| FY2024 | 423 | $214M | $170K | 75 | $113M | 498 | 5,415 |
| FY2023 | 344 | $210M | $250K | 77 | $102M | 421 | 4,463 |
| FY2022 | 293 | $247M | $350K | 70 | $109M | 363 | 4,050 |
| FY2021 | 345 | $359M | $590K | 93 | $127M | 438 | 4,797 |
| FY2020 | 319 | $228M | $300K | 89 | $106M | 408 | 3,891 |
| FY2019 | 318 | $197M | $250K | 82 | $79.3M | 400 | 3,676 |
| FY2018 | 376 | $237M | $276K | 73 | $77.0M | 449 | 4,830 |
| FY2017 | 442 | $258M | $271K | 95 | $93.0M | 537 | 6,173 |
| FY2016 | 368 | $202M | $208K | 70 | $77.8M | 438 | 5,302 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 2,232 approvals.
Against California and the country
| FY2021–FY2025 | San Bernardino County | California | United States |
|---|---|---|---|
| Approvals | 2,322 | 42,016 | 342,825 |
| Approvals per 1,000 establishments | 54.5 | 40.8 | 41.0 |
| Median 7(a) approval | $259K | $250K | $190K |
| Median 504 approval | $1.0M | $884K | $657K |
| Average approval | $780K | $733K | $573K |
| 504 share of approvals | 16.8% | 17.2% | 11.0% |
| Jobs supported per approval, as reported | 10.5 | 11.0 | 10.5 |
| Share of state approvals | 5.5% | 100.0% | — |
Approval sizes
- $50,000 or less21.5%499
- $50,001 to $150,00013.7%318
- $150,001 to $350,00016.4%380
- $350,001 to $1 million24.4%567
- $1 million to $2 million12.4%288
- Over $2 million11.6%270
Age of the businesses
- Existing, more than 2 years old70.4%1,634
- New business, 2 years or less15.9%370
- Startup, loan funds will open the business7.3%169
- Change of ownership6.1%142
- Not answered0.3%7
Questions and answers
Which lenders make the most SBA loans in San Bernardino County?
By approvals in FY2021 to FY2025: U.S. Bank, National Association (376), Business Finance Capital (101), Northeast Bank (100), Wells Fargo Bank National Association (96), JPMorgan Chase Bank, National Association (86). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in San Bernardino County?
The median 7(a) approval was $259K and the median 504 approval $1.0M; the California 7(a) median was $250K.
Which industries get the most SBA loans in San Bernardino County?
Restaurants and Other Eating Places (193); General Freight Trucking (153); Automotive Repair and Maintenance (113); Building Equipment Contractors (80); Traveler Accommodation (49).
Is SBA lending in San Bernardino County rising?
Approvals in the three latest complete fiscal years total 1,521, against 1,209 in the three before: rising (+26%).
How does San Bernardino County compare with the rest of California?
54.5 approvals per 1,000 establishments against 40.8 statewide, and 2,322 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