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.
| # | Lender | Loans | Approved | Median loan | To startups |
|---|---|---|---|---|---|
| 1 | Business Finance Capital Certified development company · Los Angeles, CA | 10 | $8.7M | $717,500 | 0% |
| 2 | West Coast Community Bank Bank · Santa Cruz, CA | 8 | $2.2M | $229,500 | 12% |
| 3 | U.S. Bank Bank · Cincinnati, OH | 7 | $218K | $30,000 | 0% |
| 4 | Mortgage Capital Development Certified development company · Oakland, CA | 6 | $6.3M | $844,500 | 0% |
| 5 | Fifth Third Bank Bank · Cincinnati, OH | 6 | $796K | $100,000 | 17% |
| 6 | Huntington National Bank Bank · Columbus, OH | 4 | $1.2M | $300,000 | 50% |
| 7 | Northeast Bank Bank · Portland, ME | 4 | $433K | $56,300 | 0% |
| 8 | Celtic Bank Bank · Salt Lake City, UT | 4 | $424K | $112,000 | 0% |
| 9 | Capital Access Group Certified development company · San Francisco, CA | 3 | $5.3M | $2,361,000 | 33% |
| 10 | Bay Area Employment Development Certified development company · Concord, CA | 3 | $2.9M | $582,000 | 0% |
| 11 | Live Oak Banking Bank · Wilmington, NC | 2 | $3.3M | $1,641,000 | 0% |
| 12 | Grow America Fund, Incorporated Non-bank lender · New York, NY | 2 | $1.5M | $760,000 | 0% |
| 13 | Port 51 Lending Non-bank lender · New York, NY | 2 | $595K | $297,500 | 0% |
| 14 | California Coastal Certified Development Non-bank lender · Salinas, CA | 2 | $304K | $152,150 | 0% |
| 15 | BayFirst National Bank Bank · St. Petersburg, FL | 2 | $300K | $150,000 | 0% |
| Industry | Loans | Share | Median loan | Most active lender |
|---|---|---|---|---|
| Health care and social assistance | 15 | $523,700 | Business Finance Capital | |
| Retail | 15 | $485,000 | Business Finance Capital | |
| Construction | 12 | $214,500 | U.S. Bank | |
| Restaurants and hotels | 9 | $520,000 | Mortgage Capital Development | |
| Other services (repair, personal care) | 7 | $80,000 | Plumas Bank | |
| Professional and technical services | 6 | $129,500 | U.S. Bank | |
| Wholesale trade | 4 | $78,000 | AMPAC Tri-State CDC | |
| Manufacturing | 4 | $759,500 | West Coast Community Bank |