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County42nd of 58 in California by approvalsFIPS 06109
SBA loans in Tuolumne 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 44 loans to businesses in Tuolumne County, California, in FY2021 to FY2025, worth $21.4M: 33 under 7(a) and 11 under 504.
That is 34.8 approvals per 1,000 business establishments (1,266 establishments in 2023), close to the California figure of 40.8 and below the national 41.0.
It ranks 42nd of 58 California counties with approvals. In FY2025 there were 12, up 9% on FY2024.
19 lenders had approvals here; the most active were Success Capital Expansion & Development Corporation (8), Columbia Bank (8) and Wells Fargo Bank National Association (6). 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 Tuolumne County
By number of approvals to businesses in the county, FY2021–FY2025; 19 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Success Capital Expansion & Development CorporationModesto, CA · CDC | 8 | $2.6M | 18.2% | |
| 2 | Columbia BankLake Oswego, OR | 8 | $788K | 18.2% | |
| 3 | Wells Fargo Bank National AssociationSioux Falls, SD | 6 | $3.2M | 13.6% | |
| 4 | Mortgage Capital Development CorporationOakland, CA · CDC | 3 | $1.9M | 6.8% | |
| 5 | Byline BankChicago, IL | 2 | — | 4.5% | |
| 6 | BayFirst National BankSaint Petersburg, FL | 2 | — | 4.5% | |
| 7 | CalPrivate BankLa Jolla, CA | 2 | — | 4.5% | |
| 8 | U.S. Bank, National AssociationCincinnati, OH | 2 | — | 4.5% | |
| 9 | Evolve Bank and TrustWest Memphis, AR | 1 | — | 2.3% | |
| 10 | West Coast Community BankSanta Cruz, CA | 1 | — | 2.3% | |
| 11 | Plumas BankQuincy, CA | 1 | — | 2.3% | |
| 12 | Open BankLos Angeles, CA | 1 | — | 2.3% | |
| 13 | Enterprise Bank & TrustClayton, MO | 1 | — | 2.3% | |
| 14 | Celtic Bank CorporationSalt Lake City, UT | 1 | — | 2.3% | |
| 15 | Harvest Small Business Finance, LLCLaguna Hills, CA | 1 | — | 2.3% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Restaurants and Other Eating PlacesNAICS 7225 | 8 | 18.2% | |
| 2 | Traveler AccommodationNAICS 7211 | 5 | 11.4% | |
| 3 | Automotive Repair and MaintenanceNAICS 8111 | 3 | 6.8% | |
| 4 | Gasoline StationsNAICS 4571 | 2 | 4.5% | |
| 5 | Home Furnishings StoresNAICS 4422 | 2 | 4.5% | |
| 6 | Other Specialty Trade ContractorsNAICS 2389 | 2 | 4.5% | |
| 7 | Health and Personal Care RetailersNAICS 4561 | 2 | 4.5% | |
| 8 | LoggingNAICS 1133 | 2 | 4.5% | |
| 9 | Residential Building ConstructionNAICS 2361 | 2 | 4.5% | |
| 10 | Services to Buildings and DwellingsNAICS 5617 | 2 | 4.5% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Accommodation and Food Services | 13 | 29.5% | |
| 2 | Retail Trade | 7 | 15.9% | |
| 3 | Construction | 5 | 11.4% | |
| 4 | Administrative and Support and Waste Management and Remediation Services | 4 | 9.1% | |
| 5 | Other Services (except Public Administration) | 3 | 6.8% | |
| 6 | Professional, Scientific, and Technical Services | 3 | 6.8% | |
| 7 | Manufacturing | 3 | 6.8% | |
| 8 | Agriculture, Forestry, Fishing and Hunting | 3 | 6.8% |
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* | 11 | $3.6M | $75K | 0 | — | 11 | 47 |
| FY2025 | 11 | $5.4M | $50K | 1 | — | 12 | 183 |
| FY2024 | 10 | $2.5M | $155K | 1 | — | 11 | 74 |
| FY2023 | 8 | $2.7M | $175K | 3 | $2.1M | 11 | 69 |
| FY2022 | 2 | — | — | 4 | $885K | 6 | 6 |
| FY2021 | 2 | — | — | 2 | — | 4 | 33 |
| FY2020 | 6 | $3.2M | $335K | 3 | $1.9M | 9 | 46 |
| FY2019 | 4 | $1.9M | $154K | 0 | — | 4 | 10 |
| FY2018 | 6 | $6.4M | $365K | 4 | $1.1M | 10 | 63 |
| FY2017 | 5 | $3.7M | $350K | 1 | — | 6 | 43 |
| FY2016 | 6 | $1.5M | $80K | 0 | — | 6 | 13 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 35 approvals.
Against California and the country
| FY2021–FY2025 | Tuolumne County | California | United States |
|---|---|---|---|
| Approvals | 44 | 42,016 | 342,825 |
| Approvals per 1,000 establishments | 34.8 | 40.8 | 41.0 |
| Median 7(a) approval | $150K | $250K | $190K |
| Median 504 approval | $340K | $884K | $657K |
| Average approval | $487K | $733K | $573K |
| 504 share of approvals | 25.0% | 17.2% | 11.0% |
| Jobs supported per approval, as reported | 8.3 | 11.0 | 10.5 |
| Share of state approvals | 0.1% | 100.0% | — |
Approval sizes
- $50,000 or less34.1%15
- $50,001 to $150,0006.8%3
- $150,001 to $350,00022.7%10
- $350,001 to $1 million27.3%12
- $1 million to $2 million2.3%1
- Over $2 million6.8%3
Age of the businesses
- Existing, more than 2 years old59.1%26
- New business, 2 years or less25.0%11
- Startup, loan funds will open the business11.4%5
- Change of ownership4.5%2
Questions and answers
Which lenders make the most SBA loans in Tuolumne County?
By approvals in FY2021 to FY2025: Success Capital Expansion & Development Corporation (8), Columbia Bank (8), Wells Fargo Bank National Association (6), Mortgage Capital Development Corporation (3), Byline Bank (2). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Tuolumne County?
The median 7(a) approval was $150K and the median 504 approval $340K; the California 7(a) median was $250K.
Which industries get the most SBA loans in Tuolumne County?
Restaurants and Other Eating Places (8); Traveler Accommodation (5); Automotive Repair and Maintenance (3); Gasoline Stations (2); Home Furnishings Stores (2).
Is SBA lending in Tuolumne County rising?
Approvals in the three latest complete fiscal years total 34, against 19 in the three before: rising (+79%).
How does Tuolumne County compare with the rest of California?
34.8 approvals per 1,000 establishments against 40.8 statewide, and 44 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