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County11th of 58 in California by approvalsFIPS 06075
SBA loans in San Francisco 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 843 loans to businesses in San Francisco County, California, in FY2021 to FY2025, worth $607M: 678 under 7(a) and 165 under 504.
That is 25.3 approvals per 1,000 business establishments (33,378 establishments in 2023), below the California figure of 40.8 and below the national 41.0.
It ranks 11th of 58 California counties with approvals. In FY2025 there were 218, up 10% on FY2024.
102 lenders had approvals here; the most active were Mortgage Capital Development Corporation (77), U.S. Bank, National Association (56) and BayFirst National Bank (46). 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 Francisco County
By number of approvals to businesses in the county, FY2021–FY2025; 102 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Mortgage Capital Development CorporationOakland, CA · CDC | 77 | $80.1M | 9.1% | |
| 2 | U.S. Bank, National AssociationCincinnati, OH | 56 | $43.7M | 6.6% | |
| 3 | BayFirst National BankSaint Petersburg, FL | 46 | $7.5M | 5.5% | |
| 4 | JPMorgan Chase Bank, National AssociationColumbus, OH | 42 | $13.0M | 5.0% | |
| 5 | Capital Access Group, Inc.San Francisco, CA · CDC | 38 | $49.5M | 4.5% | |
| 6 | Wells Fargo Bank National AssociationSioux Falls, SD | 38 | $15.9M | 4.5% | |
| 7 | Northeast BankLewiston, ME | 35 | $5.2M | 4.2% | |
| 8 | Newtek Bank, National AssociationMiami, FL | 32 | $18.8M | 3.8% | |
| 9 | The Huntington National BankColumbus, OH | 29 | $7.9M | 3.4% | |
| 10 | Readycap Lending, LLCBerkeley Heights, NJ | 28 | $14.2M | 3.3% | |
| 11 | Live Oak Banking CompanyWilmington, NC | 27 | $42.3M | 3.2% | |
| 12 | Main Street LaunchOakland, CA | 27 | $7.0M | 3.2% | |
| 13 | Bay Area Employment Development CompanyConcord, CA · CDC | 25 | $23.7M | 3.0% | |
| 14 | East West BankPasadena, CA | 22 | $17.2M | 2.6% | |
| 15 | Lendistry SBLC, LLCLos Angeles, CA | 19 | $3.1M | 2.3% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Restaurants and Other Eating PlacesNAICS 7225 | 102 | 12.1% | |
| 2 | Management, Scientific, and Technical Consulting ServicesNAICS 5416 | 37 | 4.4% | |
| 3 | Grocery StoresNAICS 4451 | 33 | 3.9% | |
| 4 | Residential Building ConstructionNAICS 2361 | 27 | 3.2% | |
| 5 | Architectural, Engineering, and Related ServicesNAICS 5413 | 25 | 3.0% | |
| 6 | Other Personal ServicesNAICS 8129 | 23 | 2.7% | |
| 7 | Specialized Design ServicesNAICS 5414 | 23 | 2.7% | |
| 8 | Legal ServicesNAICS 5411 | 22 | 2.6% | |
| 9 | Building Equipment ContractorsNAICS 2382 | 21 | 2.5% | |
| 10 | Personal Care ServicesNAICS 8121 | 21 | 2.5% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Professional, Scientific, and Technical Services | 163 | 19.3% | |
| 2 | Accommodation and Food Services | 124 | 14.7% | |
| 3 | Retail Trade | 122 | 14.5% | |
| 4 | Construction | 86 | 10.2% | |
| 5 | Health Care and Social Assistance | 83 | 9.8% | |
| 6 | Other Services (except Public Administration) | 69 | 8.2% | |
| 7 | Manufacturing | 33 | 3.9% | |
| 8 | Wholesale Trade | 31 | 3.7% |
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* | 90 | $56.4M | $180K | 17 | $22.9M | 107 | 1,164 |
| FY2025 | 185 | $80.1M | $200K | 33 | $34.1M | 218 | 2,165 |
| FY2024 | 172 | $95.2M | $250K | 27 | $22.3M | 199 | 2,032 |
| FY2023 | 119 | $65.7M | $348K | 28 | $35.9M | 147 | 2,221 |
| FY2022 | 93 | $69.1M | $250K | 41 | $50.8M | 134 | 1,251 |
| FY2021 | 109 | $115M | $588K | 36 | $39.0M | 145 | 1,922 |
| FY2020 | 105 | $73.2M | $250K | 23 | $19.2M | 128 | 1,299 |
| FY2019 | 130 | $79.3M | $250K | 33 | $31.2M | 163 | 1,834 |
| FY2018 | 163 | $90.6M | $250K | 16 | $20.5M | 179 | 1,596 |
| FY2017 | 202 | $91.6M | $212K | 25 | $26.1M | 227 | 1,977 |
| FY2016 | 239 | $82.6M | $126K | 17 | $17.7M | 256 | 2,813 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 953 approvals.
Against California and the country
| FY2021–FY2025 | San Francisco County | California | United States |
|---|---|---|---|
| Approvals | 843 | 42,016 | 342,825 |
| Approvals per 1,000 establishments | 25.3 | 40.8 | 41.0 |
| Median 7(a) approval | $275K | $250K | $190K |
| Median 504 approval | $912K | $884K | $657K |
| Average approval | $720K | $733K | $573K |
| 504 share of approvals | 19.6% | 17.2% | 11.0% |
| Jobs supported per approval, as reported | 11.4 | 11.0 | 10.5 |
| Share of state approvals | 2.0% | 100.0% | — |
Approval sizes
- $50,000 or less11.6%98
- $50,001 to $150,00018.9%159
- $150,001 to $350,00021.0%177
- $350,001 to $1 million24.7%208
- $1 million to $2 million15.7%132
- Over $2 million8.2%69
Age of the businesses
- Existing, more than 2 years old75.1%633
- New business, 2 years or less11.0%93
- Startup, loan funds will open the business8.7%73
- Change of ownership5.1%43
- Not answered0.1%1
Questions and answers
Which lenders make the most SBA loans in San Francisco County?
By approvals in FY2021 to FY2025: Mortgage Capital Development Corporation (77), U.S. Bank, National Association (56), BayFirst National Bank (46), JPMorgan Chase Bank, National Association (42), Capital Access Group, Inc. (38). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in San Francisco County?
The median 7(a) approval was $275K and the median 504 approval $912K; the California 7(a) median was $250K.
Which industries get the most SBA loans in San Francisco County?
Restaurants and Other Eating Places (102); Management, Scientific, and Technical Consulting Services (37); Grocery Stores (33); Residential Building Construction (27); Architectural, Engineering, and Related Services (25).
Is SBA lending in San Francisco County rising?
Approvals in the three latest complete fiscal years total 564, against 407 in the three before: rising (+39%).
How does San Francisco County compare with the rest of California?
25.3 approvals per 1,000 establishments against 40.8 statewide, and 843 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