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County25th of 58 in California by approvalsFIPS 06107
SBA loans in Tulare 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 243 loans to businesses in Tulare County, California, in FY2021 to FY2025, worth $225M: 196 under 7(a) and 47 under 504.
That is 33.8 approvals per 1,000 business establishments (7,189 establishments in 2023), below the California figure of 40.8 and below the national 41.0.
It ranks 25th of 58 California counties with approvals. In FY2025 there were 63, about level with FY2024.
61 lenders had approvals here; the most active were Commonwealth Business Bank (19), Bank of America, National Association (18) and Cen Cal Business Finance Group (17). The most common industry was gasoline stations.
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 Tulare County
By number of approvals to businesses in the county, FY2021–FY2025; 61 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Commonwealth Business BankLos Angeles, CA | 19 | $20.3M | 7.8% | |
| 2 | Bank of America, National AssociationCharlotte, NC | 18 | $3.8M | 7.4% | |
| 3 | Cen Cal Business Finance GroupFresno, CA · CDC | 17 | $17.2M | 7.0% | |
| 4 | Wells Fargo Bank National AssociationSioux Falls, SD | 15 | $2.5M | 6.2% | |
| 5 | Mortgage Capital Development CorporationOakland, CA · CDC | 11 | $26.0M | 4.5% | |
| 6 | The Huntington National BankColumbus, OH | 11 | $2.2M | 4.5% | |
| 7 | Celtic Bank CorporationSalt Lake City, UT | 9 | $16.4M | 3.7% | |
| 8 | U.S. Bank, National AssociationCincinnati, OH | 9 | $1.6M | 3.7% | |
| 9 | Readycap Lending, LLCBerkeley Heights, NJ | 8 | $7.8M | 3.3% | |
| 10 | Newtek Bank, National AssociationMiami, FL | 8 | $1.8M | 3.3% | |
| 11 | BayFirst National BankSaint Petersburg, FL | 8 | $935K | 3.3% | |
| 12 | Live Oak Banking CompanyWilmington, NC | 6 | $9.4M | 2.5% | |
| 13 | VelocitySBA, LLCIrving, TX | 6 | $7.7M | 2.5% | |
| 14 | Mission BankBakersfield, CA | 6 | $5.3M | 2.5% | |
| 15 | Southland Economic Development CorporationSanta Ana, CA · CDC | 6 | $5.0M | 2.5% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Gasoline StationsNAICS 4571 | 25 | 10.3% | |
| 2 | Automotive Repair and MaintenanceNAICS 8111 | 15 | 6.2% | |
| 3 | Restaurants and Other Eating PlacesNAICS 7225 | 13 | 5.3% | |
| 4 | Grocery StoresNAICS 4451 | 10 | 4.1% | |
| 5 | Commercial and Industrial Machinery and Equipment (except Automotive and Electronic) Repair and MaintenanceNAICS 8113 | 10 | 4.1% | |
| 6 | Offices of Other Health PractitionersNAICS 6213 | 9 | 3.7% | |
| 7 | Traveler AccommodationNAICS 7211 | 8 | 3.3% | |
| 8 | Gasoline StationsNAICS 4471 | 8 | 3.3% | |
| 9 | Specialty Food StoresNAICS 4452 | 7 | 2.9% | |
| 10 | Grocery and Related Product Merchant WholesalersNAICS 4244 | 7 | 2.9% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Retail Trade | 66 | 27.2% | |
| 2 | Other Services (except Public Administration) | 27 | 11.1% | |
| 3 | Accommodation and Food Services | 23 | 9.5% | |
| 4 | Health Care and Social Assistance | 17 | 7.0% | |
| 5 | Manufacturing | 16 | 6.6% | |
| 6 | Construction | 16 | 6.6% | |
| 7 | Professional, Scientific, and Technical Services | 14 | 5.8% | |
| 8 | Administrative and Support and Waste Management and Remediation Services | 14 | 5.8% |
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* | 37 | $35.3M | $350K | 5 | $9.5M | 42 | 508 |
| FY2025 | 49 | $33.1M | $300K | 14 | $28.8M | 63 | 754 |
| FY2024 | 53 | $28.5M | $297K | 11 | $18.8M | 64 | 1,162 |
| FY2023 | 36 | $33.4M | $243K | 4 | $4.9M | 40 | 726 |
| FY2022 | 27 | $28.3M | $350K | 7 | $5.6M | 34 | 477 |
| FY2021 | 31 | $33.4M | $360K | 11 | $10.0M | 42 | 474 |
| FY2020 | 30 | $37.7M | $648K | 11 | $11.3M | 41 | 779 |
| FY2019 | 37 | $17.5M | $296K | 6 | $3.4M | 43 | 657 |
| FY2018 | 41 | $21.6M | $450K | 8 | $9.4M | 49 | 655 |
| FY2017 | 48 | $27.1M | $250K | 11 | $8.9M | 59 | 600 |
| FY2016 | 50 | $11.5M | $118K | 10 | $4.1M | 60 | 545 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 252 approvals.
Against California and the country
| FY2021–FY2025 | Tulare County | California | United States |
|---|---|---|---|
| Approvals | 243 | 42,016 | 342,825 |
| Approvals per 1,000 establishments | 33.8 | 40.8 | 41.0 |
| Median 7(a) approval | $334K | $250K | $190K |
| Median 504 approval | $914K | $884K | $657K |
| Average approval | $925K | $733K | $573K |
| 504 share of approvals | 19.3% | 17.2% | 11.0% |
| Jobs supported per approval, as reported | 14.8 | 11.0 | 10.5 |
| Share of state approvals | 0.6% | 100.0% | — |
Approval sizes
- $50,000 or less11.5%28
- $50,001 to $150,00016.9%41
- $150,001 to $350,00021.0%51
- $350,001 to $1 million23.9%58
- $1 million to $2 million11.5%28
- Over $2 million15.2%37
Age of the businesses
- Existing, more than 2 years old58.4%142
- New business, 2 years or less16.0%39
- Startup, loan funds will open the business13.6%33
- Change of ownership11.5%28
- Not answered0.4%1
Questions and answers
Which lenders make the most SBA loans in Tulare County?
By approvals in FY2021 to FY2025: Commonwealth Business Bank (19), Bank of America, National Association (18), Cen Cal Business Finance Group (17), Wells Fargo Bank National Association (15), Mortgage Capital Development Corporation (11). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Tulare County?
The median 7(a) approval was $334K and the median 504 approval $914K; the California 7(a) median was $250K.
Which industries get the most SBA loans in Tulare County?
Gasoline Stations (25); Automotive Repair and Maintenance (15); Restaurants and Other Eating Places (13); Grocery Stores (10); Commercial and Industrial Machinery and Equipment (except Automotive and Electronic) Repair and Maintenance (10).
Is SBA lending in Tulare County rising?
Approvals in the three latest complete fiscal years total 167, against 117 in the three before: rising (+43%).
How does Tulare County compare with the rest of California?
33.8 approvals per 1,000 establishments against 40.8 statewide, and 243 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