SBA lending data · fiscal year 2025
19 lenders funded roofing contractors in California last year
41 SBA 7(a) loans approved under NAICS 238160. Median approval $296,000, median term 120 months, median initial rate 10.25%.
What was actually approved
Half of all approvals in this industry and state fell between $100,000 and $686,800. 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 Association9 loans · $0.5M
- 2The Huntington National Bank5 loans · $5.3M
- 3Live Oak Banking Company4 loans · $8.6M
- 4Readycap Lending, LLC3 loans · $3.2M
- 5Wells Fargo Bank National Association3 loans · $4.5M
- 6JPMorgan Chase Bank, National Association2 loans · $0.9M
- 7Harvest Small Business Finance, LLC2 loans · $1.3M
- 8BayFirst National Bank2 loans · $0.3M
- 9Bank of America, National Association1 loan · $2.1M
- 10Mission Bank1 loan · $0.2M
- 11Northeast Bank1 loan · $0.3M
- 12Columbia Bank1 loan · $0M
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 | 19 | 12 | $350,000 |
| FY2024 | 29 | 10 | $150,000 |
| FY2025 | 41 | 19 | $296,000 |
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
Roofing Contractors in other states
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