# Small business loans in Escondido, CA

**Short answer:** The most active SBA lenders in Escondido, CA since FY2024 are U.S. Bank (12 loans) and Live Oak Banking Company (9). The median loan was $262,500, and half fell between $109,000 and $1,000,000. For free help, see the California SBDC. Source: SBA 7(a) loan data.

Canonical page: https://www.sbaexpress.loans/california-small-business-loans/escondido/
Data as of: 2026-06-30

## Lenders making SBA loans in Escondido

No lender made more than 14% of the loans in Escondido, and U.S. Bank made the most. The five largest lenders together made 49%.

**Lenders with five or more SBA loans in Escondido, CA, FY2024 to June 2026**

| Lender | Loans | Share |
| --- | --- | --- |
| [U.S. Bank](https://www.sbaexpress.loans/sba-express-lenders/u-s-bank/) | 12 | 14.3% |
| [Live Oak Banking Company](https://www.sbaexpress.loans/sba-express-lenders/live-oak-banking-company/) | 9 | 10.7% |
| [Bank of America](https://www.sbaexpress.loans/sba-express-lenders/bank-of-america/california/) | 8 | 9.5% |
| [Lendistry SBLC, LLC](https://www.sbaexpress.loans/sba-express-lenders/lendistry-sblc-llc/): Non-bank lender | 6 | 7.1% |
| [Newtek Bank](https://www.sbaexpress.loans/sba-express-lenders/newtek-bank/) | 6 | 7.1% |

Share is the percent of all Escondido loans in that period. Each name links to that lender's page for California where one exists.

## Local help near Escondido

Escondido borrowers can start with SBA's district offices for California, an SBDC or SCORE.

20% of Escondido borrowers since FY2024 were startups or businesses two years old or younger. SBDCs provide counseling and training, and SCORE mentors give advice at no cost, according to SBA.

SBA runs six district offices that cover California. Each page points to state and federal resources and to lenders in its area. The California SBDC gives free counseling across California.

- [SBA Fresno District Office (San Joaquin Valley and Central Coast): SBA district office](https://www.sba.gov/district/fresno)
- [SBA Los Angeles District Office (Los Angeles, Santa Barbara and Ventura counties): SBA district office](https://www.sba.gov/district/los-angeles)
- [SBA Orange County / Inland Empire District Office (Santa Ana and Palm Desert): SBA district office](https://www.sba.gov/district/orange-county-inland-empire)
- [SBA Sacramento District Office (northeastern California): SBA district office](https://www.sba.gov/district/sacramento)
- [SBA San Diego District Office (San Diego and Imperial counties): SBA district office](https://www.sba.gov/district/san-diego)
- [SBA San Francisco District Office (northern California): SBA district office](https://www.sba.gov/district/san-francisco)
- [California SBDC: Small Business Development Center](https://www.californiasbdc.org/)
- [SCORE mentors in California: Business mentoring](https://www.score.org/ca/)

Alongside SBA loans, California runs three loan programs. The [California page](https://www.sbaexpress.loans/california-small-business-loans/#loan-programs-in-california) describes each, and the official pages are linked here.

- [Small Business Loan Guarantee Program (IBank)](https://ibank.ca.gov/small-business/loan-guarantees/)
- [CalCAP for Small Business](https://www.treasurer.ca.gov/cpcfa/calcap/sb)
- [CalCAP Collateral Support](https://www.treasurer.ca.gov/cpcfa/calcap/collateral)

## Loan counts and sizes in Escondido

Escondido ranks 46th by loans since FY2024 among the 92 California cities with 100 or more SBA loans since FY2020. Nationally it is the 269th busiest of the 580 cities that reach 100 loans.

The 84 loans, 0.4% of the 19,508 in California, were approved for $64.4 million in all. The median loan was $262,500, 75% above the national median of $150,300. Half of the loans fell between $109,000 and $1,000,000. The Escondido median is 31% above the California median of $200,000.

**Escondido, CA compared with California and the nation, loans from FY2024 to June 2026**

| Measure | Escondido | California | U.S. |
| --- | --- | --- | --- |
| Loans | 84 | 19,508 | 162,355 |
| Median loan | $262,500 | $200,000 | $150,300 |
| 25th percentile | $109,000 | $65,000 | $50,000 |
| 75th percentile | $1,000,000 | $500,000 | $500,000 |
| Via SBA Express | 29.8% | 29.0% | 35.8% |
| Lines of credit | 19.0% | 18.8% | 28.1% |
| Startups | 9.5% | 8.9% | 16.1% |
| Ownership changes | 14.3% | 8.6% | 10.4% |
| Median term | 10 years | 10 years | 10 years |
| Median spread | 2.75 | 2.75 | 2.75 |
| Charged off | Fewer than 5 | 3.5% | 3.6% |

A quarter of loans were smaller than the 25th percentile loan and a quarter were larger than the 75th. Median spread is in percentage points over Prime. Charged off is the share of FY2020 to FY2022 loans a lender wrote off as a loss. It is shown only for groups of 30 loans or more. Fewer than 5 marks a share that would stand for 1 to 4 loans, which we do not publish. U.S. covers every loan in the file.

70% of the loans were $500,000 or less, the size SBA Express covers. 29.8% of all loans went through SBA Express, below the national 35.8%. Lines of credit were 19.0% of loans, below the national 28.1%.

SBA loans in Escondido, CA by size, FY2024 to June 2026

- $50,000 or less (14%): 12
- $50,001 to $150,000 (24%): 20
- $150,001 to $350,000 (24%): 20
- $350,001 to $500,000 (8%): 7
- $500,001 to $1,000,000 (6%): 5
- $1,000,001 to $2,000,000 (13%): 11
- Over $2,000,000 (11%): 9

Labels show each size's share of all loans. The highlighted bar is the size band that contains the median.

By business age, 65.5% of loans went to businesses more than two years old and 10.7% to businesses two years old or younger. Startups received 9.5% and changes of ownership 14.3%. The national startup share is 16.1%.

SBA loans in Escondido, CA by fiscal year

- FY2020: 28
- FY2021: 34
- FY2022: 21
- FY2023: 32
- FY2024: 30
- FY2025: 39
- FY2026 (through June 30): 15

Fiscal years run October to September. The last bar covers nine of its twelve months.

Volume rose 30% from FY2024 (30 loans) to FY2025 (39), the two latest full years. The busiest full year in the file was FY2025, with 39 loans. FY2026 already shows 15 loans through June 30.

Of the 83 loans Escondido borrowers received in FY2020 to FY2022, fewer than 5 were charged off by June 30, 2026, against 3.6% nationally. Lenders reported 1,125 jobs supported across the 84 loans since FY2024, about 13.4 per loan. SBA does not audit these estimates.

## What businesses in Escondido borrow for

Offices of Dentists was the largest borrower group in Escondido since FY2020, with 9 loans or 4.5% of the total.

The five largest industries made up 17% of all Escondido loans since FY2020.

**Industries with the most SBA loans in Escondido, CA, FY2020 to June 2026**

| Industry | Loans | Share | U.S. share |
| --- | --- | --- | --- |
| [Offices of Dentists](https://www.sbaexpress.loans/industries/offices-of-dentists/california/) | 9 | 4.5% | 1.1% |
| [All Other Specialty Trade Contractors](https://www.sbaexpress.loans/industries/all-other-specialty-trade-contractors/california/) | 6 | 3.0% | 1.7% |
| [Assisted Living Facilities for the Elderly](https://www.sbaexpress.loans/industries/assisted-living-facilities-for-the-elderly/california/) | 6 | 3.0% | 0.4% |
| [Poured Concrete Foundation and Structure Contractors](https://www.sbaexpress.loans/industries/poured-concrete-foundation-structure-contractors/california/) | 6 | 3.0% | 0.4% |
| [Residential Remodelers](https://www.sbaexpress.loans/industries/residential-remodelers/california/) | 6 | 3.0% | 2.3% |

Share is the percent of all Escondido loans in that period. Industry is the NAICS code on each loan. A name links to the California page for that industry where one exists.

## A typical loan payment in Escondido

The median Escondido loan was $262,500 with a median term of 10 years.

The median variable-rate loan in Escondido was priced at Prime plus 2.75 percentage points at approval. At today's Prime that spread works out to 9.75%. On $262,500 over 10 years, principal and interest would come to about $3,433 a month. That is arithmetic on past loans, not a rate a lender is offering.

**Payment at today's rate on three Escondido loan sizes over 10 years**

| Loan | Amount | Monthly payment |
| --- | --- | --- |
| 25th percentile loan | $109,000 | $1,425 |
| Median loan | $262,500 | $3,433 |
| 75th percentile loan | $1,000,000 | $13,077 |

Principal and interest only. Fees, a different term or a fixed rate change the payment. This is an illustration from SBA's file, not an offer.

SBA's rate ceiling for this loan size

SBA's maximum for a loan of $262,500 is Prime plus 4.5 percentage points, or 11.50% today. The median variable-rate loan here was priced 1.8 points under that ceiling. Source: 13 CFR § 120.214(d)(3); SOP 50 10 8.1, App. 18, Para. A.2 (p. 395).

Escondido loans approved since FY2024 had a median starting rate of 10.25% at approval, matching the national median. Prime changed during those years, so use the spread above, not that rate, as the guide to today's cost.

Run your own numbers: [payments on a $250,000 loan](https://www.sbaexpress.loans/loan-amounts/250000-business-loan/) and [SBA Express payment calculator](https://www.sbaexpress.loans/sba-express-payment-calculator/).

## SBA 504 loans near Escondido

Escondido has 18 SBA 504 loans since FY2024, with $21.9 million in SBA and CDC dollars.

The median 504 loan in Escondido was $898,000 in SBA and CDC dollars, 18% of the $5,000,000 program maximum. The bank's share of each project is separate and is not counted in these figures.

CDC Small Business Finance Corp. is the Certified Development Company (CDC) named on the most loans since FY2020, with 11. California Statewide Certified Development Corporation follows with 10. The four CDCs listed are named on 39 loans between them.

**CDCs named on five or more 504 loans in Escondido, FY2020 to June 2026**

| Certified Development Company | 504 loans |
| --- | --- |
| CDC Small Business Finance Corp. | 11 |
| California Statewide Certified Development Corporation | 10 |
| Business Finance Capital | 9 |
| Mortgage Capital Development Corporation | 9 |

How a 504 loan is split

A standard 504 project is 50% third party lender, 40% CDC debenture, 10% borrower. 504 money pays for major fixed assets such as land, buildings and long-term machinery and equipment, not working capital or inventory. Source: SOP 50 10 8.1, Sec. C, Ch. 1, Para. B (p. 221). SBA keeps a [list of Certified Development Companies](https://www.sba.gov/loans/504-loans/list-of-certified-development-companies/).

## California cities near Escondido

Escondido made up 0.4% of California's SBA loans since FY2024.

Escondido is one of 92 California cities with 100 or more SBA loans since FY2020. The [California page](https://www.sbaexpress.loans/california-small-business-loans/) covers all 19,508 loans in California. The closest come first, ranked by county and ZIP code on their loans.

- [Encinitas: 53 loans, median $150,000](https://www.sbaexpress.loans/california-small-business-loans/encinitas/)
- [El Cajon: 113 loans, median $250,000](https://www.sbaexpress.loans/california-small-business-loans/el-cajon/)
- [Carlsbad: 103 loans, median $150,000](https://www.sbaexpress.loans/california-small-business-loans/carlsbad/)
- [Oceanside: 121 loans, median $150,000](https://www.sbaexpress.loans/california-small-business-loans/oceanside/)
- [San Marcos: 80 loans, median $261,850](https://www.sbaexpress.loans/california-small-business-loans/san-marcos/)
- [Vista: 83 loans, median $150,000](https://www.sbaexpress.loans/california-small-business-loans/vista/)
- [San Diego: 829 loans, median $164,000](https://www.sbaexpress.loans/california-small-business-loans/san-diego/)
- [Chula Vista: 97 loans, median $100,000](https://www.sbaexpress.loans/california-small-business-loans/chula-vista/)

## Common questions about SBA loans in Escondido

### Which lenders make the most SBA loans in Escondido?

U.S. Bank leads with 12 loans in Escondido since FY2024. Live Oak Banking Company (9) and Bank of America (8) follow. Only lenders with five or more Escondido loans are counted.

### Which industries get SBA loans in Escondido?

Offices of Dentists leads with 9 loans in Escondido since FY2020. All Other Specialty Trade Contractors (6) and Assisted Living Facilities for the Elderly (6) follow.

How to read this

Counts come from SBA's 7(a) loan-level data release, as of June 30, 2026. The file lists loans SBA approved. It does not list declined applications, so it cannot show approval odds. We do not publish any figure built on fewer than 5 loans. Location is the borrower's address in the file, and city names are as SBA recorded them. Recent means FY2024 through June 30, 2026. Charge-off rates use FY2020 to FY2022 loans, the only years old enough to have had time to go bad. Jobs supported are lender-reported estimates. [How we build these pages](https://www.sbaexpress.loans/method/).

## Sources

- [SBA 7(a) and 504 FOIA loan-level data, as of June 30, 2026](https://data.sba.gov/dataset/7a-504-foia)
- [SBA, 504 loans](https://www.sba.gov/loans/504-loans/)
- [SBA, resource partners: SBDCs and SCORE](https://www.sba.gov/counseling/local-assistance/resource-partners/)
- [SBA Fresno District Office (San Joaquin Valley and Central Coast)](https://www.sba.gov/district/fresno)
- [SBA Los Angeles District Office (Los Angeles, Santa Barbara and Ventura counties)](https://www.sba.gov/district/los-angeles)
- [SBA Orange County / Inland Empire District Office (Santa Ana and Palm Desert)](https://www.sba.gov/district/orange-county-inland-empire)
- [SBA Sacramento District Office (northeastern California)](https://www.sba.gov/district/sacramento)
- [SBA San Diego District Office (San Diego and Imperial counties)](https://www.sba.gov/district/san-diego)
- [SBA San Francisco District Office (northern California)](https://www.sba.gov/district/san-francisco)
- [California SBDC](https://www.californiasbdc.org/)
- [SCORE, California](https://www.score.org/ca/)
- [SOP 50 10 8.1, Sec. C, Ch. 1, Para. D.1 (p. 241); 13 CFR § 120.931](https://legacy.sba.gov/sites/default/files/2026-10/SOP%2050%2010%208.1%20Technical%20Policy%20Updates%20effective%20%2010.1.2026.docx)
- [SOP 50 10 8.1, Sec. C, Ch. 1, Para. B (p. 221)](https://legacy.sba.gov/sites/default/files/2026-10/SOP%2050%2010%208.1%20Technical%20Policy%20Updates%20effective%20%2010.1.2026.docx)
- [sba.gov/loans/504-loans; SOP 50 10 8.1, Sec. A, Ch. 3, Para. A (p. 51)](https://www.sba.gov/loans/504-loans/)
- [SOP 50 10 8.1, Sec. B, Ch. 2, Para. B.1 (p. 126)](https://legacy.sba.gov/sites/default/files/2026-10/SOP%2050%2010%208.1%20Technical%20Policy%20Updates%20effective%20%2010.1.2026.docx)
- [13 CFR § 120.214(d)(3); SOP 50 10 8.1, App. 18, Para. A.2 (p. 395)](https://www.ecfr.gov/current/title-13/section-120.214)