States › California › Yuba County
County37th of 58 in California by approvalsFIPS 06115
SBA loans in Yuba 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 69 loans to businesses in Yuba County, California, in FY2021 to FY2025, worth $49.2M: 48 under 7(a) and 21 under 504.
That is 75.4 approvals per 1,000 business establishments (915 establishments in 2023), above the California figure of 40.8 and above the national 41.0.
It ranks 37th of 58 California counties with approvals. In FY2025 there were 19, up 58% on FY2024.
23 lenders had approvals here; the most active were U.S. Bank, National Association (17), Greater Sacramento Certified Development Corporation (13) and Mortgage Capital Development Corporation (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 Yuba County
By number of approvals to businesses in the county, FY2021–FY2025; 23 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | U.S. Bank, National AssociationCincinnati, OH | 17 | $1.7M | 24.6% | |
| 2 | Greater Sacramento Certified Development CorporationNorth Highlands, CA · CDC | 13 | $12.8M | 18.8% | |
| 3 | Mortgage Capital Development CorporationOakland, CA · CDC | 5 | $4.0M | 7.2% | |
| 4 | Newtek Bank, National AssociationMiami, FL | 5 | $1.1M | 7.2% | |
| 5 | JPMorgan Chase Bank, National AssociationColumbus, OH | 3 | $2.9M | 4.3% | |
| 6 | Columbia BankLake Oswego, OR | 3 | $60K | 4.3% | |
| 7 | Plumas BankQuincy, CA | 2 | — | 2.9% | |
| 8 | Celtic Bank CorporationSalt Lake City, UT | 2 | — | 2.9% | |
| 9 | California Statewide Certified Development CorporationDavis, CA · CDC | 2 | — | 2.9% | |
| 10 | Wells Fargo Bank National AssociationSioux Falls, SD | 2 | — | 2.9% | |
| 11 | Readycap Lending, LLCBerkeley Heights, NJ | 2 | — | 2.9% | |
| 12 | The Huntington National BankColumbus, OH | 2 | — | 2.9% | |
| 13 | Live Oak Banking CompanyWilmington, NC | 1 | — | 1.4% | |
| 14 | United Business BankWalnut Creek, CA | 1 | — | 1.4% | |
| 15 | Summit State BankSanta Rosa, CA | 1 | — | 1.4% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | General Freight TruckingNAICS 4841 | 5 | 7.2% | |
| 2 | Automotive Repair and MaintenanceNAICS 8111 | 4 | 5.8% | |
| 3 | Gasoline StationsNAICS 4471 | 4 | 5.8% | |
| 4 | Restaurants and Other Eating PlacesNAICS 7225 | 4 | 5.8% | |
| 5 | Lessors of Real EstateNAICS 5311 | 3 | 4.3% | |
| 6 | Grocery StoresNAICS 4451 | 3 | 4.3% | |
| 7 | Child Day Care ServicesNAICS 6244 | 3 | 4.3% | |
| 8 | Services to Buildings and DwellingsNAICS 5617 | 3 | 4.3% | |
| 9 | Gasoline StationsNAICS 4571 | 2 | 2.9% | |
| 10 | Traveler AccommodationNAICS 7211 | 2 | 2.9% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Retail Trade | 12 | 17.4% | |
| 2 | Other Services (except Public Administration) | 7 | 10.1% | |
| 3 | Accommodation and Food Services | 6 | 8.7% | |
| 4 | Manufacturing | 6 | 8.7% | |
| 5 | Construction | 6 | 8.7% | |
| 6 | Administrative and Support and Waste Management and Remediation Services | 6 | 8.7% | |
| 7 | Transportation and Warehousing | 6 | 8.7% | |
| 8 | Real Estate and Rental and Leasing | 5 | 7.2% |
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* | 8 | $4.7M | $227K | 3 | $3.0M | 11 | 147 |
| FY2025 | 15 | $5.3M | $150K | 4 | $2.9M | 19 | 137 |
| FY2024 | 11 | $2.2M | $125K | 1 | — | 12 | 62 |
| FY2023 | 6 | $5.5M | $40K | 3 | $2.2M | 9 | 90 |
| FY2022 | 9 | $13.8M | $573K | 5 | $5.4M | 14 | 101 |
| FY2021 | 7 | $3.1M | $391K | 8 | $7.6M | 15 | 82 |
| FY2020 | 5 | $1.0M | $50K | 2 | — | 7 | 94 |
| FY2019 | 4 | $5.5M | $926K | 3 | $1.9M | 7 | 59 |
| FY2018 | 6 | $6.1M | $619K | 2 | — | 8 | 119 |
| FY2017 | 9 | $7.1M | $250K | 1 | — | 10 | 48 |
| FY2016 | 4 | $1.7M | $517K | 3 | $1.9M | 7 | 45 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 39 approvals.
Against California and the country
| FY2021–FY2025 | Yuba County | California | United States |
|---|---|---|---|
| Approvals | 69 | 42,016 | 342,825 |
| Approvals per 1,000 establishments | 75.4 | 40.8 | 41.0 |
| Median 7(a) approval | $186K | $250K | $190K |
| Median 504 approval | $779K | $884K | $657K |
| Average approval | $713K | $733K | $573K |
| 504 share of approvals | 30.4% | 17.2% | 11.0% |
| Jobs supported per approval, as reported | 6.8 | 11.0 | 10.5 |
| Share of state approvals | 0.2% | 100.0% | — |
Approval sizes
- $50,000 or less24.6%17
- $50,001 to $150,00011.6%8
- $150,001 to $350,00015.9%11
- $350,001 to $1 million23.2%16
- $1 million to $2 million14.5%10
- Over $2 million10.1%7
Age of the businesses
- Existing, more than 2 years old59.4%41
- New business, 2 years or less20.3%14
- Startup, loan funds will open the business13.0%9
- Change of ownership7.2%5
Questions and answers
Which lenders make the most SBA loans in Yuba County?
By approvals in FY2021 to FY2025: U.S. Bank, National Association (17), Greater Sacramento Certified Development Corporation (13), Mortgage Capital Development Corporation (5), Newtek Bank, National Association (5), JPMorgan Chase Bank, National Association (3). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Yuba County?
The median 7(a) approval was $186K and the median 504 approval $779K; the California 7(a) median was $250K.
Which industries get the most SBA loans in Yuba County?
General Freight Trucking (5); Automotive Repair and Maintenance (4); Gasoline Stations (4); Restaurants and Other Eating Places (4); Lessors of Real Estate (3).
Is SBA lending in Yuba County rising?
Approvals in the three latest complete fiscal years total 40, against 36 in the three before: rising (+11%).
How does Yuba County compare with the rest of California?
75.4 approvals per 1,000 establishments against 40.8 statewide, and 69 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