Searching for trusted Sacramento SBA lenders to power your business growth? Our comprehensive directory connects Sacramento entrepreneurs with approved SBA loan providers throughout Sacramento, Roseville, Folsom, Elk Grove and across the region. Whether you’re exploring SBA 7(a) loans, 504 loans, microloans, or disaster assistance, our list features the most active small business lenders with competitive rates and flexible terms for Sacramento businesses. Discover which local banks, credit unions, and financial institutions participate in Small Business Administration lending programs, compare their requirements, and find the ideal financing partner to help your Sacramento small business thrive in California’s capital region.
| Lender Name | Website | Phone | Programs |
|---|---|---|---|
| Ampac Tri-State Cdc, Inc. | ampac.com | 909.915.1706 | 504 |
| Bank of America , National Association | bankofamerica.com | 800.432.1000 | 7a |
| Banner Bank | bannerbank.com | 916.648.2100 | PLP/EX |
| Bay Area Development Company | baydevco.com | 559.226.3700 | 504 |
| Bayfirst National Bank | bayfirstfinancial.com | 833.698.2265 | 7a |
| Business Finance Capital | bfcfunding.com | 800.722.7325 | 504 |
| Cadence Bank | cadencebank.com | 888.797.7711 | 7a |
| California Statewide CDC | statewidecdc.com | 800.982.9192 | 504/CA |
| Capital Access Group, Inc | capitalaccess.com | 415.217.7600 | 504 |
| CDC Small Business Finance Corporation | cdcloans.com | 800.611.5170 | 7a |
| Celtic Bank Corporation | celticbank.com | 916.719.8003 | 7a |
| City National Bank | cnb.com | 800.773.7100 | 7a |
| Enterprise Bank & Trust | enterprisebank.com | 833.896.2850 | 7a |
| First Bank Of the Lake | fblake.bank | 573.348 .2265 | 7a |
| Five Star Bank | fivestarbank.com | 877.226.5578 | 7a |
| Greater Sacramento Certified Development Corp. | 504cdc.com | 916.339.1096 | 504 |
| Harvest Small Business Finance, LLC | harvestsbf.com | 949.778.0039 | 7a |
| JP Morgan Chase Bank | chase.com | 916 .440.0102 | PLP/EX |
| Lendistry Sblc, LLC | lendistry.com | 855.476.5870 | 7a |
| Live Oak Banking Company | liveoakbank.com | 866.518.0286 | 7a |
| Main Street Launch | mainstreetlaunch.org | 510.763.4297 | 7a |
| Mortgage Capital Development Corporation | tmcfinancing.com | 888.989.8855 | 504 |
| Newtek Small Business Finance, Inc. | newtekone.com | 718.260.6567 | 7a |
| Northeast Bank | northeastbank.com | 888.216.0250 | 7a |
| Open Bank | openbank.us | 703.202.6930 | 7a |
| Plumas Bank | plumasbank.com | 530.889.8616 | 7a |
| Readycap Lending, LLC | readycapital.com | 908.508.0008 | 7a |
| Success Capital Expansion & Development | successcapitalsba.com | 209.521.9372 | 504 |
| Superior California Economic Development | scedd.org | 530.225.2760 | 504 |
| The HuntinQton National Bank | huntington.com | 800.480.2001 | 7a |
| U. S. Bank National Association | usbank.com | 888.722.3948 | 7a |
| Umpqua Bank | umpquabank.com | 866.486.7782 | 7a |
| United Midwest Savings Bank, National Assoc | umwsb.com | 937.585.5861 | 7a |
| Us Metro Bank | usmetrobank.com | 714.620.8888 | 7a |
| Wells Fargo Bank, National Association | wellsfargo.com | 800.289.3557 | 7a |
Frequently Asked Questions
Q: What are SBA loans and how do they work in Sacramento?
A: SBA loans are government-backed loans provided through approved lenders in the Sacramento region. The Small Business Administration guarantees a portion of the loan, reducing risk for lenders and allowing them to offer more favorable terms to Sacramento small businesses. The lender provides the funds while the SBA guarantees repayment up to a certain percentage, typically 75-85% depending on the program. This structure enables Sacramento entrepreneurs to access capital with lower down payments, longer repayment terms, and competitive interest rates compared to conventional business loans.
Q: What types of SBA loans are available to Sacramento businesses?
A: Sacramento businesses can access various SBA loan programs including:
- SBA 7(a) loans: The most common program for general business purposes with loans up to $5 million
- SBA 504 loans: For major fixed asset purchases like real estate or equipment
- SBA Microloans: Smaller loans up to $50,000 for startups and smaller businesses
- SBA Express loans: Faster approval process with loans up to $500,000
- SBA Disaster loans: Special assistance for businesses affected by declared disasters
Q: What are the minimum requirements to qualify for an SBA loan in Sacramento?
A: To qualify for an SBA loan in Sacramento, businesses typically need:
- Operating history of at least 2 years (though some lenders work with startups)
- For-profit operation based in the Sacramento region
- Owner-occupied (not primarily for investment)
- Good personal credit (typically 650+ FICO score)
- Sufficient cash flow to support loan payments
- No recent bankruptcies, foreclosures, or defaults on government loans
- Reasonable owner equity investment (typically 10-30% depending on the program)
Q: How do Sacramento SBA lenders support government contracting businesses?
A: Sacramento’s position as California’s capital creates unique opportunities for government contractors, and many local SBA lenders specialize in supporting these businesses. Several Sacramento lenders offer specialized loan products designed for government contractors, including SBA CAPLines for contract financing and mobilization. These lenders understand the nuances of government payment cycles and can structure loans to accommodate them. The SBA Sacramento District Office also provides guidance on combining loan programs with contracting assistance programs like the 8(a) Business Development Program.
Q: Are there special SBA loan programs for Sacramento’s agricultural and food businesses?
A: Yes, Sacramento’s position in California’s agricultural heartland has led to specialized SBA lending expertise in food and agriculture. While the SBA doesn’t directly fund primary agricultural production, Sacramento SBA lenders support value-added agricultural businesses, food processors, farm-to-fork restaurants, and agritourism operations. Several local lenders coordinate with the region’s food system initiatives like the Sacramento Food Policy Council and the Farm-to-Fork program to provide comprehensive support for food entrepreneurs, including specialized technical assistance alongside SBA financing.
Q: What other resources are available for SBA loans?
A: Other resources provided by Bigger Bottom Line include:
Q: How do I get assistance in getting an SBA or other business loan?
A: Contact the experts! We can assist from advising which lenders to submit to all the way through to developing & submitting a complete business loan package and anything in between. Contact us now for a free evaluation.