SBA lending data · fiscal year 2025

77 lenders funded full-service restaurants in California last year

461 SBA 7(a) loans approved under NAICS 722511. Median approval $250,000, median term 120 months, median initial rate 10.25%.

Build a plan for this industry — free preview$299 one time. Your plan cites these lenders by name.

What was actually approved

461
loans approved
77
distinct lenders
$100k
25th percentile
$500k
75th percentile

Half of all approvals in this industry and state fell between $100,000 and $500,000. 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.

  1. 1Northeast Bank57 loans · $9.8M
  2. 2U.S. Bank, National Association47 loans · $4M
  3. 3Bank of Hope47 loans · $23.7M
  4. 4Lendistry SBLC, LLC25 loans · $5.9M
  5. 5Newtek Bank, National Association24 loans · $7M
  6. 6Celtic Bank Corporation20 loans · $16.8M
  7. 7The Huntington National Bank16 loans · $4.2M
  8. 8Bank of America, National Association15 loans · $6.9M
  9. 9East West Bank13 loans · $3.7M
  10. 10PCB Bank13 loans · $8.6M
  11. 11Readycap Lending, LLC12 loans · $2.9M
  12. 12JPMorgan Chase Bank, National Association9 loans · $3.1M

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 yearLoansLendersMedian approval
FY202336183$350,000
FY202442680$300,000
FY202546177$250,000

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 in other states

Your plan can name these lenders

Every plan we build pulls this same data for your state and industry, positions your request against the real distribution of approvals, and computes the coverage ratio your deal is actually held to.

See your free preview