Connect me to a San Fran lender!
Small business loans in San Francisco are available from many SBA lenders. Here are the most active San Fran SBA lenders:
Top SBA Lenders in San Francisco
| Rank | SBA Lender | SBA Lender HQs | # Loans | Avg Loan | Avg Interest |
|---|---|---|---|---|---|
| 1 | U.S. Bank | Cincinnati, OH | 64 | $650,916 | 9.2% |
| 2 | Newtek Bank | Miami, FL | 40 | $512,300 | 10.7% |
| 3 | JPMorgan Chase Bank | Columbus, OH | 21 | $305,667 | 12.3% |
| 4 | Lendistry SBLC | Los Angeles, CA | 20 | $170,965 | 12.4% |
| 5 | Readycap Lending, LLC | Berkeley Heights, NJ | 19 | $581,711 | 12.4% |
| 6 | Live Oak | Wilmington, NC | 18 | $839,333 | 9.7% |
| 7 | East West Bank | Pasadena, CA | 17 | $763,282 | 8.7% |
| 8 | Main Street Launch | Oakland, CA | 16 | $268,438 | 11.4% |
| 9 | Northeast Bank | Lewiston, ME | 15 | $115,807 | 10.6% |
| 10 | BayFirst National Bank | Saint Petersburg, FL | 14 | $133,371 | 13.0% |
| 11 | Wells Fargo | Sioux Falls, SD | 13 | $813,723 | 8.5% |
| 12 | Huntington Bank | Columbus, OH | 10 | $486,400 | 10.3% |
| 13 | Zions Bank | Salt Lake City, UT | 8 | $992,300 | 9.4% |
| 14 | Harvest Small Business Finance | Laguna Hills, CA | 7 | $1,149,671 | 10.4% |
| 15 | CDC Small Business Finance | San Diego, CA | 7 | $149,286 | 11.8% |
| 16 | Celtic Bank | Salt Lake City, UT | 7 | $115,529 | 10.7% |
| 17 | Bank of America | Charlotte, NC | 6 | $470,567 | 7.8% |
| 18 | City National Bank | Los Angeles, CA | 5 | $702,700 | 6.8% |
| 19 | Bank of Hope | Los Angeles, CA | 4 | $961,000 | 9.9% |
| 20 | BMO Bank | Chicago, IL | 4 | $597,300 | 6.6% |
Top Industries for SBA Loans in San Francisco
| Rank | Industry | # Loans | Avg Loan | Avg Interest |
|---|---|---|---|---|
| 20 | Advertising Agencies | 5 | $300,000 | 10.1% |
| 1 | All Other Health and Personal Care Stores | 4 | $2,000,000 | 10.0% |
| 3 | All Other Miscellaneous Schools and Instruction | 4 | $125,000 | 10.5% |
| 9 | Appliance Repair and Maintenance | 2 | $50,000 | 7.7% |
| 3 | Automobile Driving Schools | 2 | $76,800 | 10.6% |
| 11 | Coin-Operated Laundries and Drycleaners | 3 | $68,667 | 12.7% |
| 17 | Convenience Retailers | 5 | $766,840 | 9.0% |
| 2 | Dental Equipment and Supplies Manufacturing | 2 | $50,000 | 11.5% |
| 19 | Engineering Services | 5 | $194,400 | 10.9% |
| 2 | Facilities Support Services | 2 | $885,500 | 8.3% |
| 5 | Florists | 4 | $100,000 | 10.5% |
| 7 | Food (Health) Supplement Retailers | 2 | $377,500 | 9.5% |
| 18 | Interior Design Services | 4 | $221,250 | 11.9% |
| 11 | Jewelry Retailers | 10 | $1,108,000 | 10.2% |
| 1 | Meat Processed from Carcasses | 2 | $4,060,000 | 7.0% |
| 19 | Nail Salons | 2 | $100,000 | 10.4% |
| 3 | Ornamental and Architectural Metal Work Manufacturing | 2 | $3,600,000 | 5.0% |
| 14 | Other Scientific and Technical Consulting Services | 3 | $200,000 | 11.6% |
| 4 | Passenger Car Rental | 2 | $134,000 | 11.4% |
| 5 | Promoters of Performing Arts, Sports, and Similar Events without Facilities | 5 | $126,000 | 10.5% |
| 4 | Recreational Goods Rental | 4 | $150,000 | 11.5% |
| 6 | Software Publishers | 2 | $1,976,750 | 9.8% |
| 17 | Supermarkets and Other Grocery Retailers (except Convenience Retailers) | 5 | $870,120 | 8.6% |
| 4 | Window Treatment Retailers | 2 | $565,900 | 7.2% |
Looking for “business loans near me” or “SBA lenders near me”? While many entrepreneurs start their search locally, the truth is the best SBA lenders for San Francisco businesses are often national banks with deep SBA expertise—not just the ones down the street. At SBALenders.com, we connect you with top-performing SBA preferred lenders—whether they’re local or national—that are actively funding businesses like yours. Get matched today with lenders ready to help you grow.
Connect me to a San Fran lender!
Top SBA Lenders in San Francisco | San Francisco SBA Loans
Introduction
San Francisco, a hub of innovation and entrepreneurship, relies heavily on small businesses to power its diverse economy. SBA loans provide a crucial financial lifeline, helping these businesses expand, hire, and thrive. From iconic restaurants to high-tech startups, SBA-backed funding has supported local ventures in overcoming barriers to traditional financing. This guide breaks down SBA lending activity in San Francisco, showcases standout local businesses, and offers helpful resources to entrepreneurs navigating their funding journey.
SBA Lending in San Francisco: Last Year Overview
In the past year, San Francisco saw significant SBA loan activity that contributed to local job creation and business development. Here’s a snapshot of the key figures:
- Total SBA Loans Issued: $97,517,200
- Number of SBA Loans: 182
- Average Loan Amount: $535,809
- Average Interest Rate: 11.09%
- Jobs Supported: 2,153
- SBAlenders.com’s City Ranking: #28 nationwide
These numbers illustrate San Francisco’s strong presence in the SBA lending landscape and reflect the city’s ongoing support for small business growth.
Success Stories of Small Businesses in San Francisco
Several San Francisco businesses stood out for the number of jobs they supported through SBA loans. Here are the top five:
- BuzzWorks Inc – 58 jobs supported
Industry: Drinking Places (Alcoholic Beverages) - SATURN CONSTRUCTION CO – 50 jobs supported
Industry: Residential Remodelers - Certifix LLC – 49 jobs supported
Industry: Other Professional, Scientific, and Technical Services - Boa’s – 45 jobs supported
Industry: Full-Service Restaurants - Alora – 45 jobs supported
Industry: Full-Service Restaurants
These businesses demonstrate the real-world impact of SBA financing in supporting local employment and maintaining San Francisco’s dynamic business ecosystem.
Overview of SBA Loan Program in San Francisco
The SBA 7(a) loan program is the most popular choice for small businesses seeking funding in San Francisco. Here’s a quick look at what it offers:
- Loan Sizes: Up to $5 million
- Loan Terms: 10 years (non-real estate), 25 years (real estate)
- Interest Rates: Slightly higher than conventional loans but negotiated with SBA lenders
- Down Payments: Typically 10% to 20%
- Credit Score: Ideal score is 680+, borderline range is 640–670
- Use of Funds: Includes business acquisitions, working capital, equipment, real estate, and more
- Collateral: Not always required, though lenders will secure any available assets
Compared to traditional commercial loans, SBA loans are more accessible to businesses that may not meet stricter commercial underwriting standards, offering longer terms and fewer covenants.
Surrounding Areas
Businesses in the following nearby cities may also benefit from SBA lending resources:
Antioch, Berkeley, Concord, Daly City, Fairfield, Fremont, Hayward, Oakland, Palo Alto, Richmond, San Jose, San Leandro, Santa Clara, Santa Rosa, Sunnyvale.
Resources for Small Businesses in San Francisco
Small business owners in San Francisco can access various local and federal resources for assistance with SBA loans and business development:
- SBA San Francisco District Office: Offers loan consultations, training, and application support
- San Francisco SCORE Chapter: Provides free mentoring from experienced business professionals
- Small Business Development Center (SBDC): Delivers workshops and one-on-one advising tailored to small business needs
- City of San Francisco Office of Small Business: Helps local businesses navigate permits, licensing, and funding opportunities
Summary
San Francisco continues to be a stronghold for small business growth, supported in part by a robust SBA loan framework. With competitive loan options, impactful local success stories, and extensive resources for entrepreneurs, now is a great time for small businesses in the Bay Area to explore SBA-backed funding.
Whether you’re searching for SBA loans near me in San Francisco, top SBA lenders in San Francisco, or SBA lenders near me in San Francisco, this guide offers the information and inspiration to take your next business step with confidence.