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SBA lenders in Santa Cruz, CA

SBA 7(a) and 504 loans to businesses in Santa Cruz (Santa Cruz County), October 2021 to June 30, 2026 · Updated October 15, 2026
83
SBA loans approved
$44.2M
Total approved
$292,000
Median loan
33
Lenders active
12%
To startups

83 SBA loans worth $44.2M went to businesses in Santa Cruz, CA between October 2021 and June 2026, from 33 lenders. Business Finance Capital made the most, 10 loans. The median loan was $292,000, compared with $300,000 across California, and health care and social assistance was the most financed industry.

Most active SBA lenders in Santa Cruz

#LenderLoansApprovedMedian loanTo startups
1Business Finance Capital
Certified development company · Los Angeles, CA
10$8.7M$717,5000%
2West Coast Community Bank
Bank · Santa Cruz, CA
8$2.2M$229,50012%
3U.S. Bank
Bank · Cincinnati, OH
7$218K$30,0000%
4Mortgage Capital Development
Certified development company · Oakland, CA
6$6.3M$844,5000%
5Fifth Third Bank
Bank · Cincinnati, OH
6$796K$100,00017%
6Huntington National Bank
Bank · Columbus, OH
4$1.2M$300,00050%
7Northeast Bank
Bank · Portland, ME
4$433K$56,3000%
8Celtic Bank
Bank · Salt Lake City, UT
4$424K$112,0000%
9Capital Access Group
Certified development company · San Francisco, CA
3$5.3M$2,361,00033%
10Bay Area Employment Development
Certified development company · Concord, CA
3$2.9M$582,0000%
11Live Oak Banking
Bank · Wilmington, NC
2$3.3M$1,641,0000%
12Grow America Fund, Incorporated
Non-bank lender · New York, NY
2$1.5M$760,0000%
13Port 51 Lending
Non-bank lender · New York, NY
2$595K$297,5000%
14California Coastal Certified Development
Non-bank lender · Salinas, CA
2$304K$152,1500%
15BayFirst National Bank
Bank · St. Petersburg, FL
2$300K$150,0000%
7(a) and 504 lenders combined, ranked by number of loans to businesses in Santa Cruz. For 504 loans the lender shown is the certified development company.

What gets financed in Santa Cruz

IndustryLoansShareMedian loanMost active lender
Health care and social assistance15
18%
$523,700Business Finance Capital
Retail15
18%
$485,000Business Finance Capital
Construction12
14%
$214,500U.S. Bank
Restaurants and hotels9
11%
$520,000Mortgage Capital Development
Other services (repair, personal care)7
8%
$80,000Plumas Bank
Professional and technical services6
7%
$129,500U.S. Bank
Wholesale trade4
5%
$78,000AMPAC Tri-State CDC
Manufacturing4
5%
$759,500West Coast Community Bank
Loan size mix
  • Under $150,00029%
  • $150,000 to $500,00033%
  • $500,000 to $2 million31%
  • $2 million and up7%
Compared with California
Median loan, Santa Cruz
$292,000
Median loan, California
$300,000
Startup share, Santa Cruz
12%
Startup share, California
23%
Share of state's SBA loans
0.2%

SBA loans per fiscal year in Santa Cruz

0173350FY14: 29 loansFY14FY15: 29 loansFY15FY16: 40 loansFY1640FY17: 26 loansFY17FY18: 26 loansFY18FY19: 28 loansFY19FY20: 25 loansFY20FY21: 14 loansFY21FY22: 19 loansFY22FY23: 17 loansFY23FY24: 13 loansFY24FY25: 21 loansFY25FY26 (Oct to Jun): 13 loansFY2613
Fiscal year runs October to September. Fiscal 2026 covers October 2025 to June 2026 only.
Data from the U.S. Small Business Administration's public 7(a) and 504 loan records (through June 30, 2026) and FDIC call-report data (quarter ending June 30, 2026). US Lender Metrics is not affiliated with the SBA, FDIC, FFIEC, NCUA or any lender, is not a lender or loan broker, and does not make credit decisions. Information only; not financial, legal or lending advice. © 2026 US Lender Metrics.