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County10th of 58 in California by approvalsFIPS 06111
SBA loans in Ventura 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 1,013 loans to businesses in Ventura County, California, in FY2021 to FY2025, worth $653M: 796 under 7(a) and 217 under 504.
That is 44.1 approvals per 1,000 business establishments (22,992 establishments in 2023), close to the California figure of 40.8 and close to the national 41.0.
It ranks 10th of 58 California counties with approvals. In FY2025 there were 271, up 14% on FY2024.
109 lenders had approvals here; the most active were U.S. Bank, National Association (107), CDC Small Business Finance Corp. (90) and Newtek Bank, National Association (51). 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 Ventura County
By number of approvals to businesses in the county, FY2021–FY2025; 109 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | U.S. Bank, National AssociationCincinnati, OH | 107 | $22.8M | 10.6% | |
| 2 | CDC Small Business Finance Corp.San Diego, CA · CDC | 90 | $88.8M | 8.9% | |
| 3 | Newtek Bank, National AssociationMiami, FL | 51 | $28.1M | 5.0% | |
| 4 | Northeast BankLewiston, ME | 51 | $8.4M | 5.0% | |
| 5 | Business Finance CapitalLos Angeles, CA · CDC | 50 | $51.4M | 4.9% | |
| 6 | Readycap Lending, LLCBerkeley Heights, NJ | 50 | $19.1M | 4.9% | |
| 7 | The Huntington National BankColumbus, OH | 39 | $10.0M | 3.8% | |
| 8 | Wells Fargo Bank National AssociationSioux Falls, SD | 36 | $4.9M | 3.6% | |
| 9 | BayFirst National BankSaint Petersburg, FL | 33 | $5.1M | 3.3% | |
| 10 | Mission BankBakersfield, CA | 32 | $18.6M | 3.2% | |
| 11 | California Statewide Certified Development CorporationDavis, CA · CDC | 28 | $40.9M | 2.8% | |
| 12 | JPMorgan Chase Bank, National AssociationColumbus, OH | 25 | $8.5M | 2.5% | |
| 13 | Mortgage Capital Development CorporationOakland, CA · CDC | 22 | $24.8M | 2.2% | |
| 14 | Live Oak Banking CompanyWilmington, NC | 21 | $32.6M | 2.1% | |
| 15 | Celtic Bank CorporationSalt Lake City, UT | 20 | $11.4M | 2.0% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Restaurants and Other Eating PlacesNAICS 7225 | 81 | 8.0% | |
| 2 | Other Specialty Trade ContractorsNAICS 2389 | 44 | 4.3% | |
| 3 | Automotive Repair and MaintenanceNAICS 8111 | 43 | 4.2% | |
| 4 | Building Equipment ContractorsNAICS 2382 | 35 | 3.5% | |
| 5 | Accounting, Tax Preparation, Bookkeeping, and Payroll ServicesNAICS 5412 | 25 | 2.5% | |
| 6 | Residential Building ConstructionNAICS 2361 | 25 | 2.5% | |
| 7 | Offices of Other Health PractitionersNAICS 6213 | 23 | 2.3% | |
| 8 | Services to Buildings and DwellingsNAICS 5617 | 20 | 2.0% | |
| 9 | Building Finishing ContractorsNAICS 2383 | 20 | 2.0% | |
| 10 | Offices of DentistsNAICS 6212 | 19 | 1.9% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Construction | 154 | 15.2% | |
| 2 | Professional, Scientific, and Technical Services | 117 | 11.5% | |
| 3 | Retail Trade | 115 | 11.4% | |
| 4 | Accommodation and Food Services | 99 | 9.8% | |
| 5 | Other Services (except Public Administration) | 93 | 9.2% | |
| 6 | Health Care and Social Assistance | 92 | 9.1% | |
| 7 | Wholesale Trade | 75 | 7.4% | |
| 8 | Manufacturing | 71 | 7.0% |
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* | 124 | $59.2M | $150K | 19 | $18.3M | 143 | 1,046 |
| FY2025 | 239 | $103M | $176K | 32 | $47.8M | 271 | 2,882 |
| FY2024 | 209 | $77.1M | $150K | 29 | $25.5M | 238 | 2,266 |
| FY2023 | 123 | $52.4M | $171K | 38 | $49.1M | 161 | 1,904 |
| FY2022 | 108 | $75.4M | $350K | 56 | $56.3M | 164 | 1,874 |
| FY2021 | 117 | $104M | $510K | 62 | $62.3M | 179 | 2,559 |
| FY2020 | 106 | $80.4M | $350K | 40 | $28.6M | 146 | 1,865 |
| FY2019 | 125 | $65.7M | $219K | 28 | $23.0M | 153 | 2,098 |
| FY2018 | 147 | $95.1M | $250K | 33 | $21.1M | 180 | 2,053 |
| FY2017 | 165 | $83.7M | $250K | 35 | $31.9M | 200 | 2,173 |
| FY2016 | 157 | $63.3M | $150K | 22 | $20.4M | 179 | 1,440 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 858 approvals.
Against California and the country
| FY2021–FY2025 | Ventura County | California | United States |
|---|---|---|---|
| Approvals | 1,013 | 42,016 | 342,825 |
| Approvals per 1,000 establishments | 44.1 | 40.8 | 41.0 |
| Median 7(a) approval | $250K | $250K | $190K |
| Median 504 approval | $744K | $884K | $657K |
| Average approval | $645K | $733K | $573K |
| 504 share of approvals | 21.4% | 17.2% | 11.0% |
| Jobs supported per approval, as reported | 11.3 | 11.0 | 10.5 |
| Share of state approvals | 2.4% | 100.0% | — |
Approval sizes
- $50,000 or less17.3%175
- $50,001 to $150,00016.2%164
- $150,001 to $350,00020.0%203
- $350,001 to $1 million26.7%270
- $1 million to $2 million13.2%134
- Over $2 million6.6%67
Age of the businesses
- Existing, more than 2 years old72.7%736
- New business, 2 years or less12.6%128
- Startup, loan funds will open the business6.7%68
- Change of ownership7.6%77
- Not answered0.4%4
Questions and answers
Which lenders make the most SBA loans in Ventura County?
By approvals in FY2021 to FY2025: U.S. Bank, National Association (107), CDC Small Business Finance Corp. (90), Newtek Bank, National Association (51), Northeast Bank (51), Business Finance Capital (50). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Ventura County?
The median 7(a) approval was $250K and the median 504 approval $744K; the California 7(a) median was $250K.
Which industries get the most SBA loans in Ventura County?
Restaurants and Other Eating Places (81); Other Specialty Trade Contractors (44); Automotive Repair and Maintenance (43); Building Equipment Contractors (35); Accounting, Tax Preparation, Bookkeeping, and Payroll Services (25).
Is SBA lending in Ventura County rising?
Approvals in the three latest complete fiscal years total 670, against 489 in the three before: rising (+37%).
How does Ventura County compare with the rest of California?
44.1 approvals per 1,000 establishments against 40.8 statewide, and 1,013 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