95 SBA loans worth $50.9M went to businesses in Encinitas, CA between October 2021 and June 2026, from 34 lenders. U.S. Bank made the most, 13 loans. The median loan was $239,000, compared with $300,000 across California, and professional and technical services was the most financed industry.
| # | Lender | Loans | Approved | Median loan | To startups |
|---|---|---|---|---|---|
| 1 | U.S. Bank Bank · Cincinnati, OH | 13 | $3.1M | $50,000 | 8% |
| 2 | CDC Small Business Finance Certified development company · San Diego, CA | 8 | $7.6M | $958,500 | 0% |
| 3 | Newtek Bank Bank · Miami, FL | 8 | $3.8M | $350,000 | 38% |
| 4 | Huntington National Bank Bank · Columbus, OH | 7 | $1.9M | $200,000 | 29% |
| 5 | BayFirst National Bank Bank · St. Petersburg, FL | 7 | $935K | $150,000 | 0% |
| 6 | Zions Bank, A Division of Bank · Salt Lake City, UT | 5 | $3.7M | $150,000 | 0% |
| 7 | Wells Fargo Bank Bank · Sioux Falls, SD | 5 | $1.5M | $50,000 | 100% |
| 8 | California Statewide Certified Development Certified development company · Davis, CA | 3 | $4.7M | $1,578,000 | 0% |
| 9 | JPMorgan Chase Bank Bank · Columbus, OH | 3 | $2.3M | $350,000 | 0% |
| 10 | Bank of America Bank · Charlotte, NC | 3 | $1.7M | $493,000 | 33% |
| 11 | Readycap Lending Non-bank lender · Berkeley Heights, NJ | 3 | $1.1M | $500,000 | 67% |
| 12 | Lendistry SBLC Non-bank lender · Los Angeles, CA | 3 | $415K | $150,000 | 0% |
| 13 | Live Oak Banking Bank · Wilmington, NC | 2 | $1.4M | $725,000 | 0% |
| 14 | Mortgage Capital Development Certified development company · Oakland, CA | 2 | $1.2M | $598,500 | 0% |
| 15 | KeyBank Bank · Cleveland, OH | 2 | $669K | $334,350 | 100% |
| Industry | Loans | Share | Median loan | Most active lender |
|---|---|---|---|---|
| Professional and technical services | 23 | $350,000 | CDC Small Business Finance | |
| Health care and social assistance | 18 | $175,000 | Huntington National Bank | |
| Other services (repair, personal care) | 11 | $756,000 | Wells Fargo Bank | |
| Arts, entertainment and recreation | 9 | $450,000 | Huntington National Bank | |
| Construction | 6 | $37,500 | U.S. Bank | |
| Retail | 5 | $115,000 | U.S. Bank | |
| Restaurants and hotels | 5 | $50,000 | U.S. Bank | |
| Manufacturing | 4 | $325,000 | BayFirst National Bank |