SBA acquisition lenders in California
2,090 SBA 7(a) change-of-ownership loans in California, FY2024–FY2026. Lender rankings, typical loan size, rates and the industries changing hands.
- Acquisitions financed
- 2,090
- Total approved
- $2.4B
- Median loan
- $695K
- Middle half of loans
- $344K to $1.5M
- Median starting rate
- 9.50%
- Median term
- 10 yrs
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Lenders financing the most acquisitions in California
| # | Lender | Loans | Share | Median loan | Total approved |
|---|---|---|---|---|---|
| 1 | Live Oak Banking Company | 264 | 13% | $762K | $336.5M |
| 2 | The Huntington National Bank | 131 | 6% | $347K | $93.1M |
| 3 | Open Bank | 118 | 6% | $698K | $156.2M |
| 4 | Celtic Bank Corporation | 83 | 4% | $774K | $118.9M |
| 5 | PCB Bank | 69 | 3% | $688K | $76.1M |
| 6 | U.S. Bank, National Association | 68 | 3% | $777K | $73.4M |
| 7 | Plumas Bank | 58 | 3% | $580K | $47.9M |
| 8 | American Continental Bank | 56 | 3% | $470K | $35.9M |
| 9 | Commonwealth Business Bank | 55 | 3% | $490K | $41.3M |
| 10 | Byline Bank | 45 | 2% | $750K | $54.2M |
| 11 | Hanmi Bank | 42 | 2% | $455K | $32.0M |
| 12 | Port 51 Lending LLC | 41 | 2% | $1.1M | $60.7M |
| 13 | First Internet Bank of Indiana | 40 | 2% | $1.1M | $63.9M |
| 14 | US Metro Bank | 36 | 2% | $1.2M | $65.3M |
| 15 | Zions Bancorporation, National Association | 32 | 2% | $458K | $28.8M |
What is being bought in California
| # | Industry | Loans | Share | Median loan | Total approved |
|---|---|---|---|---|---|
| 1 | Beer, Wine, and Liquor Retailers | 184 | 9% | $500K | $136.1M |
| 2 | Full-Service Restaurants | 143 | 7% | $455K | $101.3M |
| 3 | Limited-Service Restaurants | 116 | 6% | $378K | $72.3M |
| 4 | Gasoline Stations with Convenience Stores | 103 | 5% | $1.9M | $233.9M |
| 5 | General Automotive Repair | 46 | 2% | $648K | $41.1M |
| 6 | Supermarkets and Other Grocery Retailers (except Convenience Retailers) | 44 | 2% | $632K | $37.5M |
| 7 | Snack and Nonalcoholic Beverage Bars | 35 | 2% | $350K | $14.2M |
| 8 | Home Health Care Services | 34 | 2% | $625K | $36.1M |
| 9 | Offices of Dentists | 31 | 1% | $760K | $34.8M |
| 10 | Convenience Retailers | 31 | 1% | $654K | $20.5M |
| 11 | Offices of Certified Public Accountants | 29 | 1% | $831K | $33.4M |
| 12 | Hotels (except Casino Hotels) and Motels | 28 | 1% | $3.7M | $98.0M |
| 13 | Assisted Living Facilities for the Elderly | 28 | 1% | $1.1M | $48.8M |
| 14 | All Other Specialty Trade Contractors | 27 | 1% | $1.1M | $41.7M |
| 15 | All Other Professional, Scientific, and Technical Services | 25 | 1% | $960K | $32.5M |
California by industry
- Beer, Wine, and Liquor Retailers 184
- Full-Service Restaurants 143
- Limited-Service Restaurants 116
- Gasoline Stations with Convenience Stores 103
- General Automotive Repair 46
- Supermarkets and Other Grocery Retailers (except Convenience Retailers) 44
- Snack and Nonalcoholic Beverage Bars 35
- Home Health Care Services 34
- Offices of Dentists 31
- Convenience Retailers 31
- Offices of Certified Public Accountants 29
- Hotels (except Casino Hotels) and Motels 28
- Assisted Living Facilities for the Elderly 28
- All Other Specialty Trade Contractors 27
- All Other Professional, Scientific, and Technical Services 25
- Fitness and Recreational Sports Centers 25
- Child Care Services 24
- Pharmacies and Drug Retailers 24
- Tax Preparation Services 24
- Plumbing, Heating, and Air-Conditioning Contractors 23
- Janitorial Services 23
- Insurance Agencies and Brokerages 22
- Coin-Operated Laundries and Drycleaners 20
- Other Accounting Services 20
- Other Personal Care Services 18
- Drycleaning and Laundry Services (except Coin-Operated) 18
- Private Mail Centers 18
- Automotive Body, Paint, and Interior Repair and Maintenance 17
- Electrical Contractors and Other Wiring Installation Contractors 16
- Drinking Places (Alcoholic Beverages) 16
- Other Computer Related Services 15
- Couriers and Express Delivery Services 15
- Car Washes 14
- Landscaping Services 14
- Services for the Elderly and Persons with Disabilities 14
- Offices of Physical, Occupational and Speech Therapists, and Audiologists 14
- Other Miscellaneous Durable Goods Merchant Wholesalers 13
- Residential Property Managers 13
- Pet Care (except Veterinary) Services 13
- Roofing Contractors 12
- Engineering Services 12
- Commercial Printing (except Screen and Books) 11
- Painting and Wall Covering Contractors 11
- All Other Personal Services 11
- Other Services to Buildings and Dwellings 11
- General Freight Trucking, Local 9
- Custom Computer Programming Services 9
- Other Building Finishing Contractors 9
- Clothing and Clothing Accessories Retailers 9
- Beauty Salons 9
- Offices of Physicians (except Mental Health Specialists) 9
- Residential Remodelers 9
- Industrial Supplies Merchant Wholesalers 8
- Baked Goods Retailers 8
- Automotive Parts and Accessories Retailers 8
- Sporting Goods Retailers 8
- All Other Miscellaneous Fabricated Metal Product Manufacturing 7
- Automotive Oil Change and Lubrication Shops 7
- Machine Shops 7
- Offices of All Other Miscellaneous Health Practitioners 7
- All Other Specialty Food Retailers 7
- All Other Amusement and Recreation Industries 7
- Marketing Consulting Services 7
- Automotive Glass Replacement Shops 7
- Offices of Chiropractors 7
- Caterers 6
- Testing Laboratories and Services 6
- Nursing Care Facilities (Skilled Nursing Facilities) 6
- Advertising Agencies 6
- Commercial and Industrial Machinery and Equipment (except Automotive and Electronic) Repair and Maintenance 6
- General Freight Trucking, Long-Distance, Truckload 6
- Retail Bakeries 6
- Cut Stone and Stone Product Manufacturing 6
- Hardware Retailers 5
- Other Building Material Dealers 5
- Other Grocery and Related Products Merchant Wholesalers 5
- All Other General Merchandise Retailers 5
- Sign Manufacturing 5
- Sports and Recreation Instruction 5
- Nursery, Garden Center, and Farm Supply Retailers 5
- Offices of Lawyers 5
- All Other Miscellaneous Schools and Instruction 5
- All Other Miscellaneous Retailers 5
- Service Establishment Equipment and Supplies Merchant Wholesalers 5
- Portfolio Management and Investment Advice 5
- Exam Preparation and Tutoring 5
- Meat Retailers 5
- Exterminating and Pest Control Services 5
- Florists 5