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County35th of 58 in California by approvalsFIPS 06101
SBA loans in Sutter 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 94 loans to businesses in Sutter County, California, in FY2021 to FY2025, worth $53.3M: 75 under 7(a) and 19 under 504.
That is 41.9 approvals per 1,000 business establishments (2,243 establishments in 2023), close to the California figure of 40.8 and close to the national 41.0.
It ranks 35th of 58 California counties with approvals. In FY2025 there were 25, up 127% on FY2024.
34 lenders had approvals here; the most active were U.S. Bank, National Association (20), Greater Sacramento Certified Development Corporation (12) and Wells Fargo Bank National Association (5). The most common industry was general freight trucking.
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 Sutter County
By number of approvals to businesses in the county, FY2021–FY2025; 34 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | U.S. Bank, National AssociationCincinnati, OH | 20 | $1.8M | 21.3% | |
| 2 | Greater Sacramento Certified Development CorporationNorth Highlands, CA · CDC | 12 | $9.7M | 12.8% | |
| 3 | Wells Fargo Bank National AssociationSioux Falls, SD | 5 | $2.3M | 5.3% | |
| 4 | Columbia BankLake Oswego, OR | 5 | $534K | 5.3% | |
| 5 | JPMorgan Chase Bank, National AssociationColumbus, OH | 5 | $511K | 5.3% | |
| 6 | Northeast BankLewiston, ME | 4 | $733K | 4.3% | |
| 7 | Harvest Small Business Finance, LLCLaguna Hills, CA | 3 | $2.3M | 3.2% | |
| 8 | Plumas BankQuincy, CA | 3 | $2.2M | 3.2% | |
| 9 | Bank of America, National AssociationCharlotte, NC | 3 | $677K | 3.2% | |
| 10 | Celtic Bank CorporationSalt Lake City, UT | 2 | — | 2.1% | |
| 11 | Banner BankWalla Walla, WA | 2 | — | 2.1% | |
| 12 | Newtek Small Business Finance, Inc.Lake Success, NY | 2 | — | 2.1% | |
| 13 | California Statewide Certified Development CorporationDavis, CA · CDC | 2 | — | 2.1% | |
| 14 | Mortgage Capital Development CorporationOakland, CA · CDC | 2 | — | 2.1% | |
| 15 | First Bank of the LakeOsage Beach, MO | 2 | — | 2.1% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | General Freight TruckingNAICS 4841 | 24 | 25.5% | |
| 2 | Restaurants and Other Eating PlacesNAICS 7225 | 10 | 10.6% | |
| 3 | Grocery StoresNAICS 4451 | 4 | 4.3% | |
| 4 | Agencies, Brokerages, and Other Insurance Related ActivitiesNAICS 5242 | 4 | 4.3% | |
| 5 | Traveler AccommodationNAICS 7211 | 3 | 3.2% | |
| 6 | Specialized Freight TruckingNAICS 4842 | 3 | 3.2% | |
| 7 | Building Equipment ContractorsNAICS 2382 | 3 | 3.2% | |
| 8 | Automotive Parts, Accessories, and Tire StoresNAICS 4413 | 3 | 3.2% | |
| 9 | Building Finishing ContractorsNAICS 2383 | 3 | 3.2% | |
| 10 | Other Motor Vehicle DealersNAICS 4412 | 2 | 2.1% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Transportation and Warehousing | 28 | 29.8% | |
| 2 | Retail Trade | 15 | 16.0% | |
| 3 | Accommodation and Food Services | 13 | 13.8% | |
| 4 | Construction | 8 | 8.5% | |
| 5 | Health Care and Social Assistance | 7 | 7.4% | |
| 6 | Agriculture, Forestry, Fishing and Hunting | 4 | 4.3% | |
| 7 | Other Services (except Public Administration) | 4 | 4.3% | |
| 8 | Finance and Insurance | 4 | 4.3% |
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* | 12 | $3.4M | $50K | 2 | — | 14 | 181 |
| FY2025 | 23 | $13.8M | $250K | 2 | — | 25 | 155 |
| FY2024 | 10 | $1.6M | $100K | 1 | — | 11 | 65 |
| FY2023 | 14 | $7.3M | $300K | 3 | $690K | 17 | 118 |
| FY2022 | 15 | $3.4M | $110K | 6 | $9.7M | 21 | 187 |
| FY2021 | 13 | $6.2M | $169K | 7 | $4.7M | 20 | 162 |
| FY2020 | 18 | $4.0M | $50K | 4 | $865K | 22 | 89 |
| FY2019 | 8 | $3.5M | $333K | 5 | $4.5M | 13 | 140 |
| FY2018 | 16 | $13.6M | $376K | 2 | — | 18 | 180 |
| FY2017 | 13 | $2.4M | $94K | 2 | — | 15 | 60 |
| FY2016 | 19 | $10.6M | $298K | 7 | $4.6M | 26 | 360 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 94 approvals.
Against California and the country
| FY2021–FY2025 | Sutter County | California | United States |
|---|---|---|---|
| Approvals | 94 | 42,016 | 342,825 |
| Approvals per 1,000 establishments | 41.9 | 40.8 | 41.0 |
| Median 7(a) approval | $169K | $250K | $190K |
| Median 504 approval | $363K | $884K | $657K |
| Average approval | $567K | $733K | $573K |
| 504 share of approvals | 20.2% | 17.2% | 11.0% |
| Jobs supported per approval, as reported | 7.3 | 11.0 | 10.5 |
| Share of state approvals | 0.2% | 100.0% | — |
Approval sizes
- $50,000 or less28.7%27
- $50,001 to $150,00012.8%12
- $150,001 to $350,00023.4%22
- $350,001 to $1 million21.3%20
- $1 million to $2 million7.4%7
- Over $2 million6.4%6
Age of the businesses
- Existing, more than 2 years old63.8%60
- New business, 2 years or less19.1%18
- Startup, loan funds will open the business9.6%9
- Change of ownership7.4%7
Questions and answers
Which lenders make the most SBA loans in Sutter County?
By approvals in FY2021 to FY2025: U.S. Bank, National Association (20), Greater Sacramento Certified Development Corporation (12), Wells Fargo Bank National Association (5), Columbia Bank (5), JPMorgan Chase Bank, National Association (5). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Sutter County?
The median 7(a) approval was $169K and the median 504 approval $363K; the California 7(a) median was $250K.
Which industries get the most SBA loans in Sutter County?
General Freight Trucking (24); Restaurants and Other Eating Places (10); Grocery Stores (4); Agencies, Brokerages, and Other Insurance Related Activities (4); Traveler Accommodation (3).
Is SBA lending in Sutter County rising?
Approvals in the three latest complete fiscal years total 53, against 63 in the three before: falling (-16%).
How does Sutter County compare with the rest of California?
41.9 approvals per 1,000 establishments against 40.8 statewide, and 94 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