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County45th of 58 in California by approvalsFIPS 06093
SBA loans in Siskiyou 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 Siskiyou County, California, received 38 SBA loan approvals worth $28.3M in FY2021 to FY2025 (33 7(a), 5 504).
That is 35.5 approvals per 1,000 business establishments (1,070 establishments in 2023), close to the California figure of 40.8 and close to the national 41.0.
It ranks 45th of 58 California counties with approvals. In FY2025 there were 9.
19 lenders had approvals here; the most active were Banner Bank (9), Readycap Lending, LLC (3) and Mortgage Capital Development Corporation (3). The most common industry was traveler accommodation.
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 Siskiyou County
By number of approvals to businesses in the county, FY2021–FY2025; 19 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Banner BankWalla Walla, WA | 9 | $1.1M | 23.7% | |
| 2 | Readycap Lending, LLCBerkeley Heights, NJ | 3 | $6.5M | 7.9% | |
| 3 | Mortgage Capital Development CorporationOakland, CA · CDC | 3 | $1.4M | 7.9% | |
| 4 | TD Bank, National AssociationWilmington, DE | 2 | — | 5.3% | |
| 5 | Greater Sacramento Certified Development CorporationNorth Highlands, CA · CDC | 2 | — | 5.3% | |
| 6 | Northeast BankLewiston, ME | 2 | — | 5.3% | |
| 7 | U.S. Bank, National AssociationCincinnati, OH | 2 | — | 5.3% | |
| 8 | East West BankPasadena, CA | 2 | — | 5.3% | |
| 9 | CDC Small Business Finance Corp.San Diego, CA | 2 | — | 5.3% | |
| 10 | Columbia BankLake Oswego, OR | 2 | — | 5.3% | |
| 11 | Pinnacle BankMorgan Hill, CA | 1 | — | 2.6% | |
| 12 | Patriot Bank, National AssociationStamford, CT | 1 | — | 2.6% | |
| 13 | US Eagle FCUAlbuquerque, NM | 1 | — | 2.6% | |
| 14 | First BankSouthern Pines, NC | 1 | — | 2.6% | |
| 15 | Open BankLos Angeles, CA | 1 | — | 2.6% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Traveler AccommodationNAICS 7211 | 4 | 10.5% | |
| 2 | Gasoline StationsNAICS 4571 | 3 | 7.9% | |
| 3 | Automotive Repair and MaintenanceNAICS 8111 | 3 | 7.9% | |
| 4 | Support Activities for ForestryNAICS 1153 | 3 | 7.9% | |
| 5 | Restaurants and Other Eating PlacesNAICS 7225 | 3 | 7.9% | |
| 6 | Building Equipment ContractorsNAICS 2382 | 3 | 7.9% | |
| 7 | Other Personal ServicesNAICS 8129 | 2 | 5.3% | |
| 8 | Automotive Parts, Accessories, and Tire StoresNAICS 4413 | 2 | 5.3% | |
| 9 | General Freight TruckingNAICS 4841 | 2 | 5.3% | |
| 10 | Grocery StoresNAICS 4451 | 1 | 2.6% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Retail Trade | 8 | 21.1% | |
| 2 | Accommodation and Food Services | 7 | 18.4% | |
| 3 | Other Services (except Public Administration) | 5 | 13.2% | |
| 4 | Construction | 5 | 13.2% | |
| 5 | Agriculture, Forestry, Fishing and Hunting | 4 | 10.5% | |
| 6 | Transportation and Warehousing | 2 | 5.3% | |
| 7 | Health Care and Social Assistance | 1 | 2.6% | |
| 8 | Real Estate and Rental and Leasing | 1 | 2.6% |
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 | $6.0M | $200K | 1 | — | 8 | 49 |
| FY2025 | 9 | $6.2M | $260K | 0 | — | 9 | 66 |
| FY2024 | 7 | $3.8M | $350K | 0 | — | 7 | 32 |
| FY2023 | 2 | — | — | 2 | — | 4 | 20 |
| FY2022 | 8 | $9.8M | $418K | 2 | — | 10 | 38 |
| FY2021 | 7 | $6.3M | $365K | 1 | — | 8 | 152 |
| FY2020 | 6 | $2.7M | $284K | 0 | — | 6 | 20 |
| FY2019 | 12 | $6.1M | $202K | 1 | — | 13 | 101 |
| FY2018 | 5 | $4.5M | $879K | 0 | — | 5 | 30 |
| FY2017 | 12 | $5.9M | $275K | 1 | — | 13 | 106 |
| FY2016 | 9 | $4.3M | $131K | 1 | — | 10 | 29 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 47 approvals.
Against California and the country
| FY2021–FY2025 | Siskiyou County | California | United States |
|---|---|---|---|
| Approvals | 38 | 42,016 | 342,825 |
| Approvals per 1,000 establishments | 35.5 | 40.8 | 41.0 |
| Median 7(a) approval | $276K | $250K | $190K |
| Median 504 approval | $323K | $884K | $657K |
| Average approval | $746K | $733K | $573K |
| 504 share of approvals | 13.2% | 17.2% | 11.0% |
| Jobs supported per approval, as reported | 8.1 | 11.0 | 10.5 |
| Share of state approvals | 0.1% | 100.0% | — |
Approval sizes
- $50,000 or less21.1%8
- $50,001 to $150,00013.2%5
- $150,001 to $350,00023.7%9
- $350,001 to $1 million21.1%8
- $1 million to $2 million10.5%4
- Over $2 million10.5%4
Age of the businesses
- Existing, more than 2 years old65.8%25
- New business, 2 years or less13.2%5
- Startup, loan funds will open the business2.6%1
- Change of ownership18.4%7
Questions and answers
Which lenders make the most SBA loans in Siskiyou County?
By approvals in FY2021 to FY2025: Banner Bank (9), Readycap Lending, LLC (3), Mortgage Capital Development Corporation (3), TD Bank, National Association (2), Greater Sacramento Certified Development Corporation (2). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Siskiyou County?
The median 7(a) approval was $276K and the median 504 approval $323K; the California 7(a) median was $250K.
Which industries get the most SBA loans in Siskiyou County?
Traveler Accommodation (4); Gasoline Stations (3); Automotive Repair and Maintenance (3); Support Activities for Forestry (3); Restaurants and Other Eating Places (3).
Is SBA lending in Siskiyou County rising?
Approvals in the three latest complete fiscal years total 20, against 24 in the three before: falling (-17%).
How does Siskiyou County compare with the rest of California?
35.5 approvals per 1,000 establishments against 40.8 statewide, and 38 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