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California · Construction
SBA loans for construction in California
12,804 loans worth $5.50B approved since FY2010 for construction projects located in California.
Loans
12,804
Approved
$5.50B
Median loan
$200,000
+100% vs sector nationally
Median rate
7.75%
Jobs supported
153,252
Source: U.S. Small Business Administration, SBA 7(a) and 504 FOIA data, as of 2026-06-30. Approvals from FY2010 onward. How we calculate this.
Lenders
Who lends to construction in California
| Lender | Loans | Approved | Share |
|---|---|---|---|
| Mortgage Capital Development Corporation | 470 | $440.3M | |
| Wells Fargo Bank | 1,172 | $427.0M | |
| U.S. Bank | 2,577 | $391.6M | |
| CDC Small Business Finance Corp. | 547 | $332.3M | |
| California Statewide Certified Development Corporation | 265 | $223.4M | |
| Enterprise Bank & Trust | 251 | $207.2M | |
| JPMorgan Chase Bank | 1,109 | $198.4M | |
| Business Finance Capital | 233 | $196.7M |
Detail
Which industries inside the sector
An SBA 7(a) lender for loans this size
The median SBA loan approved for construction in California since FY2010 was $200,000. SmartBiz makes SBA 7(a) loans up to $500,000. It is shown here as a separate, labelled option, outside the data rankings on this page. You apply on their site - we do not take applications and never see your information.
Check options with SmartBizWe may be paid if you apply through this link. It does not change what we publish, and no lender can buy a place in our rankings. Details.
All SBA lending in California
135,894 loans across every sector.
Construction nationally
115,753 loans across all states.
How SBA 7(a) works
Eligibility, caps, fees, and the timeline.
Common questions
- How many SBA loans go to construction businesses in California?
- 12,804 SBA loans totalling $5,500,439,900 have been approved for construction projects in California since FY2010.
- Which lenders finance construction in California?
- The most active by dollars approved are Mortgage Capital Development Corporation, Wells Fargo Bank, U.S. Bank, CDC Small Business Finance Corp.. Several are national lenders with no local branch - SBA lending crosses state lines freely.
- What is a typical loan size for construction in California?
- The median approval is $200,000, 100% above the national median for this sector ($100,000).
We are a publisher, not a lender or broker. We never take applications and are never paid by borrowers. Read the full disclosures.