Small business loans in Mission Viejo, CA
Short answer
The most active SBA lenders in Mission Viejo, CA since FY2024 are U.S. Bank (9 loans) and Lendistry SBLC, LLC (5). The median loan was $121,000, and half fell between $50,000 and $290,150. For free help, see the California SBDC. Source: SBA 7(a) loan data.
- SBA loans since FY2024
- 42
- approved since FY2024
- $13.73M
- median loan
- $121,000
- through SBA Express
- 35.7%
Lenders making SBA loans in Mission Viejo
No lender made more than 21% of the loans in Mission Viejo, and U.S. Bank made the most.
| Lender | Loans | Share |
|---|---|---|
| U.S. Bank | 9 | 21.4% |
| Lendistry SBLC, LLCNon-bank lender | 5 | 11.9% |
Share is the percent of all Mission Viejo loans in that period. Each name links to that lender's page for California where one exists.
Mission Viejo has two lenders with five or more loans since FY2024. Others had fewer, and the California page counts 251 lenders with at least one approved loan statewide.
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Start my loan requestJanover Capital LLC is not a lender and is not the SBA. The lender makes the credit decision. A lender or marketplace may pay us a referral fee if we connect you, at no cost to you. Advertiser disclosure.
Local help near Mission Viejo
Mission Viejo borrowers can start with SBA's district offices for California, an SBDC or SCORE.
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
- SBA Los Angeles District Office (Los Angeles, Santa Barbara and Ventura counties)SBA district office
- SBA Orange County / Inland Empire District Office (Santa Ana and Palm Desert)SBA district office
- SBA Sacramento District Office (northeastern California)SBA district office
- SBA San Diego District Office (San Diego and Imperial counties)SBA district office
- SBA San Francisco District Office (northern California)SBA district office
- California SBDCSmall Business Development Center
- SCORE mentors in CaliforniaBusiness mentoring
Alongside SBA loans, California runs three loan programs. The California page describes each, and the official pages are linked here.
Loan counts and sizes in Mission Viejo
Mission Viejo ranks 92nd by loans since FY2024 among the 92 California cities with 100 or more SBA loans since FY2020. Nationally it is the 558th busiest of the 580 cities that reach 100 loans.
The 42 loans, 0.2% of the 19,508 in California, were approved for $13.7 million in all. The medianThe middle figure. Half the loans were larger and half were smaller. loan was $121,000, 19% below the national median of $150,300. Half of the loans fell between $50,000 and $290,150. The Mission Viejo median is 40% below the California median of $200,000.
| Measure | Mission Viejo | California | U.S. |
|---|---|---|---|
| Loans | 42 | 19,508 | 162,355 |
| Median loan | $121,000 | $200,000 | $150,300 |
| 25th percentile | $50,000 | $65,000 | $50,000 |
| 75th percentile | $290,150 | $500,000 | $500,000 |
| Via SBA Express | 35.7% | 29.0% | 35.8% |
| Lines of credit | 21.4% | 18.8% | 28.1% |
| Startups | n/a | 8.9% | 16.1% |
| Ownership changes | 11.9% | 8.6% | 10.4% |
| Median term | 10 years | 10 years | 10 years |
| Median spread | 3.0 | 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.
35.7% of all loans went through SBA Express, close to the national 35.8%. Lines of credit were 21.4% of loans, below the national 28.1%.
Labels show each size's share of all loans. The highlighted bar is the size band that contains the median.
Fiscal years run October to September. The last bar covers nine of its twelve months.
Volume fell 26% from FY2024 (19 loans) to FY2025 (14), the two latest full years. The busiest full year in the file was FY2021, with 19 loans. FY2026 already shows 9 loans through June 30.
Of the 41 loans Mission Viejo borrowers received in FY2020 to FY2022, fewer than 5 were charged offThe lender wrote the loan off as a loss because it was not being repaid. by June 30, 2026, against 3.6% nationally. Lenders reported 226 jobs supported across the 42 loans since FY2024, about 5.4 per loan. SBA does not audit these estimates.
What businesses in Mission Viejo borrow for
Residential Remodelers was the largest borrower group in Mission Viejo since FY2020, with 5 loans or 5.0% of the total.
| Industry | Loans | Share | U.S. share |
|---|---|---|---|
| Residential Remodelers | 5 | 5.0% | 2.3% |
Share is the percent of all Mission Viejo 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 Mission Viejo
The median Mission Viejo loan was $121,000 with a median term of 10 years.
The median variable-rate loan in Mission Viejo was priced at Prime plus 3.0 percentage points at approval. At today's Prime that spread works out to 10.00%. On $121,000 over 10 years, principal and interest would come to about $1,599 a month. That is arithmetic on past loans, not a rate a lender is offering.
| Loan | Amount | Monthly payment |
|---|---|---|
| 25th percentile loan | $50,000 | $661 |
| Median loan | $121,000 | $1,599 |
| 75th percentile loan | $290,150 | $3,834 |
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 $121,000 is Prime plus 6.0 percentage points, or 13.00% today. The median variable-rate loan here was priced 3.0 points under that ceiling. Source: 13 CFR § 120.214(d)(2); SOP 50 10 8.1, App. 18, Para. A.2 (p. 395).
Mission Viejo loans approved since FY2024 had a median starting rate of 10.62% at approval, against 10.25% nationally. 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 $125,000 loan and SBA Express payment calculator.
SBA 504 loans near Mission Viejo
Mission Viejo has 6 SBA 504 loans since FY2020, with $8.6 million in SBA and CDC dollars.
Fewer than five of them came in FY2024 or later, so no recent median is published. The bank's share of each project is separate and is not counted in these figures.
No Certified Development CompanyA nonprofit that SBA certifies and regulates to arrange 504 loans together with a bank. (CDC) is named on five or more 504 loans in Mission Viejo, so the list below is California's. Mortgage Capital Development Corporation is named on the most there, 854 loans since FY2024.
| Certified Development Company | 504 loans |
|---|---|
| Mortgage Capital Development Corporation | 854 |
| Business Finance Capital | 801 |
| California Statewide Certified Development Corporation | 625 |
| Capital Access Group, Inc. | 167 |
| Bay Area Employment Development Company | 158 |
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 capitalMoney for day-to-day costs such as payroll, rent and inventory. Full definition or inventory. Source: SOP 50 10 8.1, Sec. C, Ch. 1, Para. B (p. 221). SBA keeps a list of Certified Development Companies.
California cities near Mission Viejo
Mission Viejo made up 0.2% of California's SBA loans since FY2024.
Mission Viejo is one of 92 California cities with 100 or more SBA loans since FY2020. The California page covers all 19,508 loans in California. The closest come first, ranked by county and ZIP code on their loans.
Common questions about SBA loans in Mission Viejo
Which lenders make the most SBA loans in Mission Viejo?
U.S. Bank leads with 9 loans in Mission Viejo since FY2024. Lendistry SBLC, LLC (5) follows. Only lenders with five or more Mission Viejo loans are counted.
Which industries get SBA loans in Mission Viejo?
Residential Remodelers leads with 5 loans in Mission Viejo since FY2020.
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.
Sources
- SBA 7(a) and 504 FOIA loan-level data, as of June 30, 2026
- SBA, 504 loans
- SBA, resource partners: SBDCs and SCORE
- SBA Fresno District Office (San Joaquin Valley and Central Coast)
- SBA Los Angeles District Office (Los Angeles, Santa Barbara and Ventura counties)
- SBA Orange County / Inland Empire District Office (Santa Ana and Palm Desert)
- SBA Sacramento District Office (northeastern California)
- SBA San Diego District Office (San Diego and Imperial counties)
- SBA San Francisco District Office (northern California)
- California SBDC
- SCORE, California
- SOP 50 10 8.1, Sec. C, Ch. 1, Para. D.1 (p. 241); 13 CFR § 120.931
- SOP 50 10 8.1, Sec. C, Ch. 1, Para. B (p. 221)
- sba.gov/loans/504-loans; SOP 50 10 8.1, Sec. A, Ch. 3, Para. A (p. 51)
- SOP 50 10 8.1, Sec. B, Ch. 2, Para. B.1 (p. 126)
- 13 CFR § 120.214(d)(2); SOP 50 10 8.1, App. 18, Para. A.2 (p. 395)
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Cite this page: Small business loans in Mission Viejo, CA. SBA Express Loans, Janover Capital LLC (data as of June 30, 2026). https://www.sbaexpress.loans/california-small-business-loans/mission-viejo/
Ask lending partners about a loan in Mission Viejo
Tell us what you need and we refer your request to lending partners.
Janover Capital LLC is not a lender and is not the SBA. The lender makes the credit decision. A lender or marketplace may pay us a referral fee if we connect you, at no cost to you. Advertiser disclosure.