Small business loans in San Clemente, CA
Short answer
Live Oak Banking Company made the most SBA loans in San Clemente, CA since FY2024, with 5. The median loan was $250,000, and half fell between $100,000 and $500,000. For free help, see the California SBDC. Source: SBA 7(a) loan data.
- SBA loans since FY2024
- 55
- approved since FY2024
- $33.06M
- median loan
- $250,000
- through SBA Express
- 21.8%
Lenders making SBA loans in San Clemente
No lender made more than 9% of the loans in San Clemente, and Live Oak Banking Company made the most.
| Lender | Loans | Share |
|---|---|---|
| Live Oak Banking Company | 5 | 9.1% |
Share is the percent of all San Clemente loans in that period. Each name links to that lender's page for California where one exists.
San Clemente has one lender 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 San Clemente
San Clemente 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 San Clemente
San Clemente ranks 80th by loans since FY2024 among the 92 California cities with 100 or more SBA loans since FY2020. Nationally it is the 493rd busiest of the 580 cities that reach 100 loans.
The 55 loans, 0.3% of the 19,508 in California, were approved for $33.1 million in all. The medianThe middle figure. Half the loans were larger and half were smaller. loan was $250,000, 66% above the national median of $150,300. Half of the loans fell between $100,000 and $500,000. The San Clemente median is 25% above the California median of $200,000.
| Measure | San Clemente | California | U.S. |
|---|---|---|---|
| Loans | 55 | 19,508 | 162,355 |
| Median loan | $250,000 | $200,000 | $150,300 |
| 25th percentile | $100,000 | $65,000 | $50,000 |
| 75th percentile | $500,000 | $500,000 | $500,000 |
| Via SBA Express | 21.8% | 29.0% | 35.8% |
| Lines of credit | 18.2% | 18.8% | 28.1% |
| Startups | n/a | 8.9% | 16.1% |
| Ownership changes | n/a | 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.
76% of the loans were $500,000 or less, the size SBA Express covers. 21.8% of all loans went through SBA Express, below the national 35.8%. Lines of credit were 18.2% 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 rose 56% from FY2024 (16 loans) to FY2025 (25), the two latest full years. The busiest full year in the file was FY2025, with 25 loans. FY2026 already shows 14 loans through June 30.
Of the 41 loans San Clemente 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 675 jobs supported across the 55 loans since FY2024, about 12.3 per loan. SBA does not audit these estimates.
A typical loan payment in San Clemente
The median San Clemente loan was $250,000 with a median term of 10 years.
The median variable-rate loan in San Clemente was priced at Prime plus 2.75 percentage points at approval. At today's Prime that spread works out to 9.75%. On $250,000 over 10 years, principal and interest would come to about $3,269 a month. That is arithmetic on past loans, not a rate a lender is offering.
| Loan | Amount | Monthly payment |
|---|---|---|
| 25th percentile loan | $100,000 | $1,308 |
| Median loan | $250,000 | $3,269 |
| 75th percentile loan | $500,000 | $6,539 |
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 $250,000 is Prime plus 6.0 percentage points, or 13.00% today. The median variable-rate loan here was priced 3.2 points under that ceiling. Source: 13 CFR § 120.214(d)(2); SOP 50 10 8.1, App. 18, Para. A.2 (p. 395).
San Clemente 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 and SBA Express payment calculator.
SBA 504 loans near San Clemente
San Clemente has 10 SBA 504 loans since FY2024, with $14.2 million in SBA and CDC dollars.
The median 504 loan in San Clemente was $953,500 in SBA and CDC dollars, 19% of the $5,000,000 program maximum. The bank's share of each project is separate and is not counted in these figures.
Business Finance Capital is the Certified Development CompanyA nonprofit that SBA certifies and regulates to arrange 504 loans together with a bank. (CDC) named on the most loans since FY2020, with 10. California Statewide Certified Development Corporation follows with 5. The three CDCs listed are named on 20 loans between them.
| Certified Development Company | 504 loans |
|---|---|
| Business Finance Capital | 10 |
| California Statewide Certified Development Corporation | 5 |
| Mortgage Capital Development Corporation | 5 |
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 San Clemente
San Clemente made up 0.3% of California's SBA loans since FY2024.
San Clemente 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 San Clemente
Which lenders make the most SBA loans in San Clemente?
Live Oak Banking Company leads with 5 loans in San Clemente since FY2024. Only lenders with five or more San Clemente loans are counted.
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 San Clemente, CA. SBA Express Loans, Janover Capital LLC (data as of June 30, 2026). https://www.sbaexpress.loans/california-small-business-loans/san-clemente/
Ask lending partners about a loan in San Clemente
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.