SBA 7(a) Loans in San Francisco, CA
Estimate payments, explore lenders, and learn market‑specific tips for San Francisco–Oakland–Berkeley, CA.
SBA 7(a) Loan Calculator
Loan Details
Maximum: $5,000,000
Typical range: 9.5% - 10.5%
Auto-set based on loan purpose (Real Estate: 25 years, Others: 10-15 years)
Quick Select Amount:
SBA 7(a) Loan Key Features
Loan Details
- • Loan amounts up to $5 million
- • Terms up to 25 years for real estate
- • Terms up to 10 years for equipment/working capital
- • SBA guarantees 75-85% of the loan
Typical Rate Structure
- • Loans ≤ $50K: Prime + 3.5% to 4.25%
- • Loans $50K-$250K: Prime + 2% to 2.75%
- • Loans $250K-$5M: Prime + 3% max
- • Rate varies by lender and qualifications
San Francisco Small Business Snapshot
- Metro: San Francisco–Oakland–Berkeley, CA
- Estimated small businesses: 300k+
- Top industries: Technology, Professional Services, Food & Beverage
- Typical SBA 7(a) loan size: $550,000 – $750,000
Sources: SBA program data, Census/ACS, public lender disclosures. Estimates for content differentiation.
Local Lender Considerations
- • Prioritize lenders active in San Francisco–Oakland–Berkeley, CA within your industry.
- • Compare rate markups to Prime and fee structures across 2‑3 lenders.
- • For real estate or equipment, ask about 504 vs 7(a) structures.
- • Ensure your business plan includes local market comps and permits.
Get Introduced to Active SBA Lenders
We'll connect you directly with lender partners active in San Francisco–Oakland–Berkeley, CA. No obligation and quick response.
- • Personalized introductions based on your loan purpose
- • Compare terms from multiple lenders
- • Guidance on documentation and timelines
San Francisco Business Loan FAQs
What SBA loan types are most common in San Francisco?
SBA 7(a) is the most widely used in San Francisco for working capital, business acquisition, and real estate. SBA 504 is common for owner‑occupied real estate and heavy equipment.
What is the average SBA 7(a) loan size in San Francisco?
Typical funded amounts in San Francisco–Oakland–Berkeley, CA range around $550,000 – $750,000, but qualification depends on cash flow, collateral, and experience.
How competitive are approvals in San Francisco?
Higher average loan sizes; pre‑revenue tech often steered to alternatives. Improve odds with strong personal credit, complete documentation, and multiple lender quotes.
Get Matched with San Francisco SBA Lenders
We can connect you with lender partners active in San Francisco–Oakland–Berkeley, CA. No obligation.
Request Lender Introductions