SBA Loan Calculator California
Calculate SBA loan payments for California small businesses. Find the best SBA lenders, rates, and programs available in the Golden State.
California SBA Loan Market
Market Leader
#1
California leads the nation in SBA loan volume
Annual Volume
$4.2B+
In SBA 7(a) loans approved annually
Active Lenders
200+
SBA-approved lenders statewide
California SBA Loan Examples
See typical SBA loan payments for California businesses. These examples reflect current market rates and terms available from California SBA lenders.
| Loan Amount | Rate | Term | Monthly Payment | Total Interest | Total Cost |
|---|---|---|---|---|---|
| $250,000 | 10.5% | 10 years | $3,303 | $146,360 | $396,360 |
| $500,000 | 10.0% | 15 years | $5,374 | $467,320 | $967,320 |
| $1,000,000 | 9.5% | 20 years | $9,321 | $1,237,040 | $2,237,040 |
| $2,000,000 | 9.25% | 25 years | $17,647 | $3,294,100 | $5,294,100 |
California Business SBA Loan Scenarios
Silicon Valley Tech Startup
$500,000 for equipment and working capital
Los Angeles Restaurant
$350,000 for restaurant buildout
San Diego Manufacturing
$1M for facility and equipment
Central Valley Agriculture
$750,000 for farm equipment and processing
San Francisco Retail
$400,000 for retail store and inventory
Orange County Services
$250,000 for professional services expansion
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
California SBA Resources & Programs
California SBA District Offices
330 N Brand Blvd, Suite 1200
Glendale, CA 91203
(818) 552-3210
455 Market Street, 6th Floor
San Francisco, CA 94105
(415) 744-6820
6501 Sylvan Road, Suite 100
Citrus Heights, CA 95610
(916) 735-1700
550 West C Street, Suite 550
San Diego, CA 92101
(619) 557-7250
California-Specific SBA Programs
- • California Capital Access Program: State loan guarantee program
- • SCORE Mentorship: Free business mentoring statewide
- • SBDC Network: 60+ Small Business Development Centers
- • WBC Program: Women's Business Centers in major cities
- • CDFI Partners: Community Development Financial Institutions
- • Export Assistance: International trade support
- • Disaster Relief: Wildfire and earthquake recovery loans
Top SBA Lenders in California
These lenders are among the most active SBA 7(a) lenders in California by loan volume:
Wells Fargo Bank
Largest SBA lender nationwide with strong CA presence
Bank of America
Major SBA lender with branches throughout California
JPMorgan Chase
Significant SBA lending presence in CA markets
Live Oak Bank
Specialized SBA lender with strong CA business
Celtic Bank
Active SBA lender serving California businesses
Pacific Western Bank
California-based bank with SBA expertise
California Business Environment
Advantages
- • Largest economy in the US ($3.6T GDP)
- • Access to venture capital and investors
- • Skilled workforce and top universities
- • Innovation hubs (Silicon Valley, LA, San Diego)
- • Diverse industry base
- • International trade opportunities
- • Strong consumer market (40M population)
Challenges
- • High cost of living and real estate
- • Complex regulatory environment
- • High labor costs and employment regulations
- • Competitive business environment
- • High state income tax rates
- • Energy costs and environmental regulations
- • Traffic and infrastructure challenges
Related California SBA Resources
California SBA 504 Calculator
Calculate SBA 504 payments for California commercial real estate purchases.
Calculate SBA 504 Payments →California SBA Eligibility
Check if your California business qualifies for SBA loans and programs.
Check My Eligibility →California Restaurant Loans
Specialized SBA loan calculator for California restaurants and food service.
Calculate Restaurant Loans →Ready to Get Your California SBA Loan?
California offers excellent opportunities for small businesses. Connect with experienced SBA lenders who understand the California market and can help you succeed.