SBA lending data · fiscal year 2025
29 lenders funded residential remodelers in California last year
172 SBA 7(a) loans approved under NAICS 236118. Median approval $100,000, median term 120 months, median initial rate 11%.
What was actually approved
Half of all approvals in this industry and state fell between $50,000 and $200,675. 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.
- 1U.S. Bank, National Association46 loans · $2.5M
- 2Lendistry SBLC, LLC19 loans · $4.4M
- 3Northeast Bank17 loans · $2.6M
- 4JPMorgan Chase Bank, National Association14 loans · $2.9M
- 5Readycap Lending, LLC12 loans · $2.2M
- 6Columbia Bank9 loans · $0.4M
- 7The Huntington National Bank7 loans · $1.2M
- 8Wells Fargo Bank National Association7 loans · $2.9M
- 9BayFirst National Bank6 loans · $0.8M
- 10Celtic Bank Corporation5 loans · $0.8M
- 11Zions Bank, A Division of4 loans · $0.4M
- 12Bank of America, National Association3 loans · $0.8M
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 | 97 | 25 | $100,000 |
| FY2024 | 161 | 34 | $90,000 |
| FY2025 | 172 | 29 | $100,000 |
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.
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