51 SBA loans worth $38.8M went to businesses in Watsonville, CA between October 2021 and June 2026, from 20 lenders. West Coast Community Bank made the most, 11 loans. The median loan was $515,000, compared with $300,000 across California, and restaurants and hotels was the most financed industry.
| # | Lender | Loans | Approved | Median loan | To startups |
|---|---|---|---|---|---|
| 1 | West Coast Community Bank Bank · Santa Cruz, CA | 11 | $6.4M | $170,000 | 0% |
| 2 | Northeast Bank Bank · Portland, ME | 7 | $2.8M | $350,000 | 14% |
| 3 | Mortgage Capital Development Certified development company · Oakland, CA | 6 | $10.2M | $1,443,000 | 0% |
| 4 | U.S. Bank Bank · Cincinnati, OH | 5 | $4.0M | $1,138,000 | 20% |
| 5 | Wells Fargo Bank Bank · Sioux Falls, SD | 4 | $80K | $15,000 | 100% |
| 6 | Capital Access Group Certified development company · San Francisco, CA | 2 | $2.7M | $1,343,500 | 0% |
| 7 | Fifth Third Bank Bank · Cincinnati, OH | 2 | $278K | $139,000 | 0% |
| 8 | VelocitySBA Non-bank lender · Irving, TX | 1 | $1.8M | $1,807,000 | 0% |
| 9 | First Business Bank Bank · Madison, WI | 1 | $1.7M | $1,707,000 | 0% |
| 10 | Freedom Bank of Virginia Bank · Fairfax, VA | 1 | $1.5M | $1,470,000 | 100% |
| 11 | Business Finance Capital Certified development company · Los Angeles, CA | 1 | $1.3M | $1,325,000 | 0% |
| 12 | Port 51 Lending Non-bank lender · New York, NY | 1 | $868K | $868,500 | 0% |
| 13 | Bay Area Employment Development Certified development company · Concord, CA | 1 | $822K | $822,000 | 0% |
| 14 | Newtek Bank Bank · Miami, FL | 1 | $750K | $750,000 | 0% |
| 15 | First Bank of the Lake Bank · Osage Beach, MO | 1 | $750K | $750,000 | 100% |
| Industry | Loans | Share | Median loan | Most active lender |
|---|---|---|---|---|
| Restaurants and hotels | 10 | $750,000 | West Coast Community Bank | |
| Professional and technical services | 6 | $818,000 | U.S. Bank | |
| Transportation and warehousing | 6 | $85,500 | West Coast Community Bank | |
| Retail | 6 | $350,000 | Northeast Bank | |
| Construction | 5 | $100,000 | U.S. Bank | |
| Manufacturing | 4 | $1,075,000 | West Coast Community Bank | |
| Health care and social assistance | 3 | $1,707,000 | United Midwest Savings Bank | |
| Other services (repair, personal care) | 2 | $137,500 | Northeast Bank |