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SBA lenders in El Centro, CA

SBA 7(a) and 504 loans to businesses in El Centro (Imperial County), October 2021 to June 30, 2026 · Updated October 15, 2026
35
SBA loans approved
$34.5M
Total approved
$350,000
Median loan
25
Lenders active
31%
To startups

35 SBA loans worth $34.5M went to businesses in El Centro, CA between October 2021 and June 2026, from 25 lenders. Mortgage Capital Development made the most, 3 loans. The median loan was $350,000, compared with $300,000 across California, and restaurants and hotels was the most financed industry.

Most active SBA lenders in El Centro

#LenderLoansApprovedMedian loanTo startups
1Mortgage Capital Development
Certified development company · Oakland, CA
3$2.7M$845,00033%
2Wells Fargo Bank
Bank · Sioux Falls, SD
3$2.6M$20,000100%
3California Statewide Certified Development
Certified development company · Davis, CA
3$1.6M$475,0000%
4JPMorgan Chase Bank
Bank · Columbus, OH
3$455K$110,0000%
5CDC Small Business Finance
Certified development company · San Diego, CA
2$5.0M$2,484,5000%
6CDC Small Business Finance
Non-bank lender · San Diego, CA
2$455K$227,50050%
7East West Bank
Bank · Pasadena, CA
1$5.0M$5,000,0000%
8Live Oak Banking
Bank · Wilmington, NC
1$4.5M$4,500,000100%
9Hanover Community Bank
Bank · Garden City Park, NY
1$3.1M$3,107,000100%
10AMPAC Tri-State CDC
Certified development company · Ontario, CA
1$1.4M$1,433,0000%
11U.S. Bank
Bank · Cincinnati, OH
1$1.3M$1,275,0000%
12CalPrivate Bank
Bank · La Jolla, CA
1$1.1M$1,110,0000%
13US Metro Bank
Bank · Garden Grove, CA
1$1.1M$1,102,000100%
14So Cal CDC
Certified development company · Mission Hills, CA
1$1.1M$1,071,0000%
15Bank of Hope
Bank · Los Angeles, CA
1$690K$690,000100%
7(a) and 504 lenders combined, ranked by number of loans to businesses in El Centro. For 504 loans the lender shown is the certified development company.

What gets financed in El Centro

IndustryLoansShareMedian loanMost active lender
Restaurants and hotels7
20%
$736,000Mortgage Capital Development
Health care and social assistance6
17%
$1,179,000Wells Fargo Bank
Retail5
14%
$320,000Frontwave Credit Union
Transportation and warehousing4
11%
$436,000JPMorgan Chase Bank
Construction3
9%
$110,000JPMorgan Chase Bank
Finance and insurance2
6%
$15,000Readycap Lending
Agriculture, forestry and fishing2
6%
$182,500CenTrust Bank, A Division of SmartBiz Bank
Real estate and rental2
6%
$298,000Banc of California
Loan size mix
  • Under $150,00023%
  • $150,000 to $500,00034%
  • $500,000 to $2 million29%
  • $2 million and up14%
Compared with California
Median loan, El Centro
$350,000
Median loan, California
$300,000
Startup share, El Centro
31%
Startup share, California
23%
Share of state's SBA loans
0.1%

SBA loans per fiscal year in El Centro

071320FY14: 5 loansFY14FY15: 11 loansFY15FY16: 13 loansFY16FY17: 12 loansFY17FY18: 16 loansFY18FY19: 14 loansFY19FY20: 5 loansFY20FY21: 17 loansFY2117FY22: 10 loansFY22FY23: 8 loansFY23FY24: 5 loansFY24FY25: 11 loansFY25FY26 (Oct to Jun): 1 loansFY261
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.