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County29th of 58 in California by approvalsFIPS 06113
SBA loans in Yolo 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 194 loans to businesses in Yolo County, California, in FY2021 to FY2025, worth $141M: 160 under 7(a) and 34 under 504.
That is 43.0 approvals per 1,000 business establishments (4,509 establishments in 2023), close to the California figure of 40.8 and close to the national 41.0.
It ranks 29th of 58 California counties with approvals. In FY2025 there were 58, up 45% on FY2024.
57 lenders had approvals here; the most active were U.S. Bank, National Association (20), Banner Bank (11) and Mortgage Capital Development Corporation (9). 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 Yolo County
By number of approvals to businesses in the county, FY2021–FY2025; 57 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | U.S. Bank, National AssociationCincinnati, OH | 20 | $2.6M | 10.3% | |
| 2 | Banner BankWalla Walla, WA | 11 | $2.5M | 5.7% | |
| 3 | Mortgage Capital Development CorporationOakland, CA · CDC | 9 | $16.2M | 4.6% | |
| 4 | The Huntington National BankColumbus, OH | 9 | $2.6M | 4.6% | |
| 5 | California Statewide Certified Development CorporationDavis, CA · CDC | 8 | $5.1M | 4.1% | |
| 6 | Northeast BankLewiston, ME | 8 | $2.0M | 4.1% | |
| 7 | Harvest Small Business Finance, LLCLaguna Hills, CA | 7 | $8.5M | 3.6% | |
| 8 | Newtek Bank, National AssociationMiami, FL | 7 | $1.7M | 3.6% | |
| 9 | Lendistry SBLC, LLCLos Angeles, CA | 7 | $1.5M | 3.6% | |
| 10 | Bay Area Employment Development CompanyConcord, CA · CDC | 6 | $14.7M | 3.1% | |
| 11 | Wells Fargo Bank National AssociationSioux Falls, SD | 6 | $2.1M | 3.1% | |
| 12 | JPMorgan Chase Bank, National AssociationColumbus, OH | 6 | $2.0M | 3.1% | |
| 13 | BayFirst National BankSaint Petersburg, FL | 6 | $977K | 3.1% | |
| 14 | Live Oak Banking CompanyWilmington, NC | 5 | $6.1M | 2.6% | |
| 15 | Greater Sacramento Certified Development CorporationNorth Highlands, CA · CDC | 4 | $2.6M | 2.1% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Restaurants and Other Eating PlacesNAICS 7225 | 31 | 16.0% | |
| 2 | Automotive Repair and MaintenanceNAICS 8111 | 19 | 9.8% | |
| 3 | Automotive Parts, Accessories, and Tire StoresNAICS 4413 | 10 | 5.2% | |
| 4 | Traveler AccommodationNAICS 7211 | 9 | 4.6% | |
| 5 | Services to Buildings and DwellingsNAICS 5617 | 9 | 4.6% | |
| 6 | General Freight TruckingNAICS 4841 | 7 | 3.6% | |
| 7 | Building Equipment ContractorsNAICS 2382 | 7 | 3.6% | |
| 8 | Architectural, Engineering, and Related ServicesNAICS 5413 | 6 | 3.1% | |
| 9 | Offices of Other Health PractitionersNAICS 6213 | 5 | 2.6% | |
| 10 | Child Day Care ServicesNAICS 6244 | 4 | 2.1% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Accommodation and Food Services | 41 | 21.1% | |
| 2 | Retail Trade | 31 | 16.0% | |
| 3 | Other Services (except Public Administration) | 27 | 13.9% | |
| 4 | Construction | 21 | 10.8% | |
| 5 | Health Care and Social Assistance | 15 | 7.7% | |
| 6 | Professional, Scientific, and Technical Services | 13 | 6.7% | |
| 7 | Transportation and Warehousing | 10 | 5.2% | |
| 8 | Administrative and Support and Waste Management and Remediation Services | 10 | 5.2% |
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* | 24 | $18.5M | $333K | 6 | $9.6M | 30 | 324 |
| FY2025 | 51 | $16.6M | $250K | 7 | $15.0M | 58 | 685 |
| FY2024 | 34 | $12.0M | $150K | 6 | $11.4M | 40 | 363 |
| FY2023 | 24 | $13.8M | $245K | 9 | $6.7M | 33 | 423 |
| FY2022 | 24 | $25.6M | $338K | 4 | $8.6M | 28 | 442 |
| FY2021 | 27 | $27.4M | $485K | 8 | $3.6M | 35 | 463 |
| FY2020 | 31 | $34.6M | $400K | 4 | $4.1M | 35 | 312 |
| FY2019 | 29 | $14.0M | $150K | 3 | $3.1M | 32 | 321 |
| FY2018 | 40 | $25.6M | $350K | 3 | $11.7M | 43 | 472 |
| FY2017 | 17 | $5.1M | $150K | 7 | $9.7M | 24 | 213 |
| FY2016 | 35 | $24.6M | $150K | 9 | $16.2M | 44 | 546 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 178 approvals.
Against California and the country
| FY2021–FY2025 | Yolo County | California | United States |
|---|---|---|---|
| Approvals | 194 | 42,016 | 342,825 |
| Approvals per 1,000 establishments | 43.0 | 40.8 | 41.0 |
| Median 7(a) approval | $251K | $250K | $190K |
| Median 504 approval | $874K | $884K | $657K |
| Average approval | $725K | $733K | $573K |
| 504 share of approvals | 17.5% | 17.2% | 11.0% |
| Jobs supported per approval, as reported | 12.2 | 11.0 | 10.5 |
| Share of state approvals | 0.5% | 100.0% | — |
Approval sizes
- $50,000 or less17.5%34
- $50,001 to $150,00015.5%30
- $150,001 to $350,00020.1%39
- $350,001 to $1 million29.4%57
- $1 million to $2 million9.8%19
- Over $2 million7.7%15
Age of the businesses
- Existing, more than 2 years old66.0%128
- New business, 2 years or less13.9%27
- Startup, loan funds will open the business12.4%24
- Change of ownership7.7%15
Questions and answers
Which lenders make the most SBA loans in Yolo County?
By approvals in FY2021 to FY2025: U.S. Bank, National Association (20), Banner Bank (11), Mortgage Capital Development Corporation (9), The Huntington National Bank (9), California Statewide Certified Development Corporation (8). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Yolo County?
The median 7(a) approval was $251K and the median 504 approval $874K; the California 7(a) median was $250K.
Which industries get the most SBA loans in Yolo County?
Restaurants and Other Eating Places (31); Automotive Repair and Maintenance (19); Automotive Parts, Accessories, and Tire Stores (10); Traveler Accommodation (9); Services to Buildings and Dwellings (9).
Is SBA lending in Yolo County rising?
Approvals in the three latest complete fiscal years total 131, against 98 in the three before: rising (+34%).
How does Yolo County compare with the rest of California?
43.0 approvals per 1,000 establishments against 40.8 statewide, and 194 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