SBA lending data · fiscal year 2025
29 lenders funded clothing and clothing accessories retailers in California last year
91 SBA 7(a) loans approved under NAICS 458110. Median approval $150,000, median term 120 months, median initial rate 10.5%.
What was actually approved
Half of all approvals in this industry and state fell between $55,000 and $450,000. A request well outside that band is not impossible — it draws more scrutiny on collateral and management experience.
The most active lenders
Ranked by how many loans each actually approved in this industry and state — not by advertising spend. A lender that has written twenty of these already knows the questions to ask.
- 1Newtek Bank, National Association14 loans · $7.3M
- 2U.S. Bank, National Association11 loans · $2.3M
- 3Northeast Bank10 loans · $1.7M
- 4BayFirst National Bank7 loans · $0.9M
- 5Readycap Lending, LLC5 loans · $0.8M
- 6Lendistry SBLC, LLC5 loans · $0.8M
- 7Celtic Bank Corporation5 loans · $1.3M
- 8AMPAC Tri-State CDC, Inc.4 loans · $0.3M
- 9JPMorgan Chase Bank, National Association3 loans · $5.3M
- 10Wells Fargo Bank National Association3 loans · $0.3M
- 11Bank of Hope2 loans · $0.7M
- 12Pathward National Association2 loans · $1.9M
This list is not a recommendation and these lenders have no relationship with this site. It reports approvals recorded in U.S. Small Business Administration, FOIA 7(a) and 504 loan approval data (data.sba.gov), fiscal year 2025, as of 2026-06-30.
Is this industry getting easier or harder to finance?
| Fiscal year | Loans | Lenders | Median approval |
|---|---|---|---|
| FY2023 | 41 | 18 | $150,000 |
| FY2024 | 73 | 20 | $77,500 |
| FY2025 | 91 | 29 | $150,000 |
Only completed fiscal years are shown. The SBA fiscal year ends 30 September; a partial year compared against full ones makes any industry look like it is closing.
Where this comes from
The SBA publishes every approved 7(a) and 504 loan under FOIA: the lender, the borrower's state, the industry code, the amount, the term and the initial rate. We indexed 4 fiscal years of it, alongside Census and BLS data. Figures on this page are as published on 2026-06-30.
This page reports approvals. It says nothing about how many applications were declined, and it is not a prediction about yours. This site is not affiliated with, endorsed by, or approved by the U.S. Small Business Administration.
Other industries in California
- Full-Service Restaurants · 461 loans
- Limited-Service Restaurants · 326 loans
- Fitness and Recreational Sports Centers · 190 loans
- Residential Remodelers · 172 loans
- Plumbing, Heating, and Air-Conditioning Contractors · 166 loans
- General Automotive Repair · 156 loans
- Snack and Nonalcoholic Beverage Bars · 150 loans
- Offices of Dentists · 136 loans
Clothing and Clothing Accessories Retailers in other states
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