States › California › Stanislaus County
County18th of 58 in California by approvalsFIPS 06099
SBA loans in Stanislaus 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 406 loans to businesses in Stanislaus County, California, in FY2021 to FY2025, worth $319M: 332 under 7(a) and 74 under 504.
That is 40.5 approvals per 1,000 business establishments (10,013 establishments in 2023), close to the California figure of 40.8 and close to the national 41.0.
It ranks 18th of 58 California counties with approvals. In FY2025 there were 100, about level with FY2024.
78 lenders had approvals here; the most active were U.S. Bank, National Association (54), Success Capital Expansion & Development Corporation (40) and The Huntington National Bank (24). 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 Stanislaus County
By number of approvals to businesses in the county, FY2021–FY2025; 78 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | U.S. Bank, National AssociationCincinnati, OH | 54 | $14.5M | 13.3% | |
| 2 | Success Capital Expansion & Development CorporationModesto, CA · CDC | 40 | $32.0M | 9.9% | |
| 3 | The Huntington National BankColumbus, OH | 24 | $9.6M | 5.9% | |
| 4 | Celtic Bank CorporationSalt Lake City, UT | 22 | $33.4M | 5.4% | |
| 5 | Wells Fargo Bank National AssociationSioux Falls, SD | 22 | $19.0M | 5.4% | |
| 6 | Bank of America, National AssociationCharlotte, NC | 16 | $4.9M | 3.9% | |
| 7 | Mortgage Capital Development CorporationOakland, CA · CDC | 14 | $19.2M | 3.4% | |
| 8 | Northeast BankLewiston, ME | 14 | $3.2M | 3.4% | |
| 9 | Live Oak Banking CompanyWilmington, NC | 13 | $26.5M | 3.2% | |
| 10 | BayFirst National BankSaint Petersburg, FL | 13 | $2.2M | 3.2% | |
| 11 | Newtek Bank, National AssociationMiami, FL | 11 | $5.2M | 2.7% | |
| 12 | Valley First Federal Credit UnionModesto, CA | 11 | $3.2M | 2.7% | |
| 13 | Lendistry SBLC, LLCLos Angeles, CA | 10 | $1.8M | 2.5% | |
| 14 | BMO Bank National AssociationChicago, IL | 8 | $8.8M | 2.0% | |
| 15 | Harvest Small Business Finance, LLCLaguna Hills, CA | 7 | $4.4M | 1.7% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Restaurants and Other Eating PlacesNAICS 7225 | 39 | 9.6% | |
| 2 | Automotive Repair and MaintenanceNAICS 8111 | 31 | 7.6% | |
| 3 | General Freight TruckingNAICS 4841 | 21 | 5.2% | |
| 4 | Building Equipment ContractorsNAICS 2382 | 17 | 4.2% | |
| 5 | Gasoline StationsNAICS 4571 | 15 | 3.7% | |
| 6 | Offices of DentistsNAICS 6212 | 14 | 3.4% | |
| 7 | Offices of PhysiciansNAICS 6211 | 11 | 2.7% | |
| 8 | Services to Buildings and DwellingsNAICS 5617 | 9 | 2.2% | |
| 9 | Personal Care ServicesNAICS 8121 | 9 | 2.2% | |
| 10 | Lessors of Real EstateNAICS 5311 | 8 | 2.0% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Retail Trade | 67 | 16.5% | |
| 2 | Accommodation and Food Services | 52 | 12.8% | |
| 3 | Construction | 52 | 12.8% | |
| 4 | Other Services (except Public Administration) | 50 | 12.3% | |
| 5 | Health Care and Social Assistance | 45 | 11.1% | |
| 6 | Transportation and Warehousing | 29 | 7.1% | |
| 7 | Professional, Scientific, and Technical Services | 21 | 5.2% | |
| 8 | Manufacturing | 18 | 4.4% |
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* | 36 | $35.3M | $176K | 14 | $10.7M | 50 | 636 |
| FY2025 | 83 | $47.2M | $239K | 17 | $14.5M | 100 | 982 |
| FY2024 | 92 | $49.5M | $240K | 9 | $9.7M | 101 | 909 |
| FY2023 | 69 | $56.6M | $350K | 11 | $8.4M | 80 | 972 |
| FY2022 | 36 | $36.3M | $387K | 22 | $24.8M | 58 | 519 |
| FY2021 | 52 | $61.6M | $535K | 15 | $10.6M | 67 | 751 |
| FY2020 | 47 | $29.1M | $361K | 16 | $23.0M | 63 | 695 |
| FY2019 | 49 | $36.8M | $350K | 13 | $10.3M | 62 | 651 |
| FY2018 | 57 | $35.4M | $315K | 19 | $19.7M | 76 | 840 |
| FY2017 | 73 | $42.8M | $150K | 14 | $15.5M | 87 | 1,063 |
| FY2016 | 64 | $30.4M | $137K | 9 | $6.1M | 73 | 792 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 361 approvals.
Against California and the country
| FY2021–FY2025 | Stanislaus County | California | United States |
|---|---|---|---|
| Approvals | 406 | 42,016 | 342,825 |
| Approvals per 1,000 establishments | 40.5 | 40.8 | 41.0 |
| Median 7(a) approval | $343K | $250K | $190K |
| Median 504 approval | $568K | $884K | $657K |
| Average approval | $786K | $733K | $573K |
| 504 share of approvals | 18.2% | 17.2% | 11.0% |
| Jobs supported per approval, as reported | 10.2 | 11.0 | 10.5 |
| Share of state approvals | 1.0% | 100.0% | — |
Approval sizes
- $50,000 or less17.0%69
- $50,001 to $150,00011.8%48
- $150,001 to $350,00020.0%81
- $350,001 to $1 million30.0%122
- $1 million to $2 million10.6%43
- Over $2 million10.6%43
Age of the businesses
- Existing, more than 2 years old64.3%261
- New business, 2 years or less14.8%60
- Startup, loan funds will open the business12.6%51
- Change of ownership8.4%34
Questions and answers
Which lenders make the most SBA loans in Stanislaus County?
By approvals in FY2021 to FY2025: U.S. Bank, National Association (54), Success Capital Expansion & Development Corporation (40), The Huntington National Bank (24), Celtic Bank Corporation (22), Wells Fargo Bank National Association (22). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Stanislaus County?
The median 7(a) approval was $343K and the median 504 approval $568K; the California 7(a) median was $250K.
Which industries get the most SBA loans in Stanislaus County?
Restaurants and Other Eating Places (39); Automotive Repair and Maintenance (31); General Freight Trucking (21); Building Equipment Contractors (17); Gasoline Stations (15).
Is SBA lending in Stanislaus County rising?
Approvals in the three latest complete fiscal years total 281, against 188 in the three before: rising (+49%).
How does Stanislaus County compare with the rest of California?
40.5 approvals per 1,000 establishments against 40.8 statewide, and 406 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