# SBA loans to convenience stores in California under the 2017 NAICS code **Short answer:** SBA's loan file shows 178 loans to convenience stores in California since October 2019. Commonwealth Business Bank made 45.5% of them, well above its share nationally and across all loans in California. 7.9% went through SBA Express, against 30.0% nationally. Canonical page: https://www.sbaexpress.loans/industries/convenience-stores/california/ Data as of: 2026-06-30 Few loans since October 2023 SBA's file shows fewer than 5 loans for convenience stores in California approved since October 2023. The figures below describe earlier lending, from October 2019 to June 2026. These are the 178 SBA 7(a) loans to [convenience stores](https://www.sbaexpress.loans/industries/convenience-stores/) in [California](https://www.sbaexpress.loans/california-small-business-loans/) approved October 2019 to June 2026. Each figure is set against the national figure for the same industry and period. State is where the business is, not where the lender is based. The file lists loans SBA approved, so it shows what lenders have done and not what any lender will do for you. Every state page for this industry uses this same period, so the pages can be compared with each other. ## How California differs from the U.S. **What this means for you.** One lender made a large share of these loans in California, so compare more than one lender before you apply. ### Lender concentration [Commonwealth Business Bank](https://www.sbaexpress.loans/sba-express-lenders/commonwealth-business-bank/) made 45.5% of these loans (81 of 178). Nationally it made 14.5% of loans to convenience stores. It is not among the five biggest SBA lenders in California. ### SBA Express 7.9% of the loans in California went through SBA Express, against 30.0% nationally. SBA Express, share of loans, Oct 2019 to Jun 2026 - California: 7.9% - United States: 30.0% ### Lines of credit 2.8% of the loans in California were lines of credit, against 15.1% nationally. Lines of credit, share of loans, Oct 2019 to Jun 2026 - California: 2.8% - United States: 15.1% We compared 8 measures with the national figure for the same period, and these are the 3 that differ clearly. 2 more differences are in the table. ## California next to the U.S. **California compared with all loans to convenience stores in the U.S., October 2019 to June 2026** | Measure | California | United States | Reading | | --- | --- | --- | --- | | Industry's share of all SBA loans | 0.46% | 0.19% | Clearly higher | | Median loan | $368,900 | $350,000 | No clear gap | | Middle half of loans | $259,000 to $753,250 | $110,075 to $678,000 | – | | Startups (the loan opens the business) | Fewer than 5 | 9.5% | n/a | | In business 2 years or less | 6.7% | 12.6% | No clear gap | | In business more than 2 years | 53.9% | 48.5% | No clear gap | | Change of ownership | 37.1% | 26.2% | Clearly higher | | SBA Express | 7.9% | 30.0% | Clearly lower | | Lines of credit | 2.8% | 15.1% | Clearly lower | | Median term | 10 years | 10 years | – | | Median spread over Prime at approval | 2 points over Prime | 2 points over Prime | – | Clearly higher and clearly lower mark a gap large enough to matter and unlikely to be chance for this many loans. Spread over Prime is the rate at approval minus Prime that day, so it is not today's rate. Rows with a dash are shown for reference. ## Who lends in California The 5 lenders below made 106 of the 178 loans approved October 2019 to June 2026, or 59.6%. A lender is listed when it has 5 or more of them, five at most. **Top lenders in California** | Lender | Loans | Share here | U.S. share | | --- | --- | --- | --- | | [Commonwealth Business Bank](https://www.sbaexpress.loans/sba-express-lenders/commonwealth-business-bank/) | 81 | 45.5% | 14.5% | | [West Coast Community Bank](https://www.sbaexpress.loans/sba-express-lenders/west-coast-community-bank/) | 8 | 4.5% | Not in top 5 | | [Plumas Bank](https://www.sbaexpress.loans/sba-express-lenders/plumas-bank/) | 6 | 3.4% | Not in top 5 | | [U.S. Bank](https://www.sbaexpress.loans/sba-express-lenders/u-s-bank/) | 6 | 3.4% | 2.6% | | [Hanmi Bank](https://www.sbaexpress.loans/sba-express-lenders/hanmi-bank/) | 5 | 2.8% | 3.4% | Share here is the lender's share of the loans in this state. U.S. share is its share of all loans to this industry nationally. Not in top 5 means it is not one of the five lenders with the most loans to the industry. ## Convenience stores in other states Other states where these loans differ clearly from the national pattern, most loans first. **Convenience stores by state** | State | Loans since October 2019 | | --- | --- | | [Washington](https://www.sbaexpress.loans/industries/convenience-stores/washington/) | 51 | ## More industries in California Other industries in California with a clear difference from the national pattern, most loans first. **Other industries in California** | Industry | Loans since October 2019 | | --- | --- | | [Sit-down restaurants](https://www.sbaexpress.loans/industries/full-service-restaurants/california/) | 1,924 | | [Fast-food, pizza and counter-service restaurants](https://www.sbaexpress.loans/industries/limited-service-restaurants/california/) | 1,330 | | [Dental practices](https://www.sbaexpress.loans/industries/offices-of-dentists/california/) | 694 | | [Plumbing and HVAC companies](https://www.sbaexpress.loans/industries/plumbing-heating-air-conditioning-contractors/california/) | 639 | | [Gyms, fitness studios and recreational sports centers](https://www.sbaexpress.loans/industries/fitness-recreational-sports-centers/california/) | 632 | | [Home remodeling contractors](https://www.sbaexpress.loans/industries/residential-remodelers/california/) | 621 | | [Auto repair shops](https://www.sbaexpress.loans/industries/general-automotive-repair/california/) | 618 | | [Local trucking companies](https://www.sbaexpress.loans/industries/general-freight-trucking-local/california/) | 616 | 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. Industry is the NAICS code recorded on each loan. Location is the borrower's address in the file. Loans are those approved October 1, 2019 to June 30, 2026. SBA's fiscal year runs October 1 to September 30. Each figure is set against the national figure for the same period. A gap is called clear when it is large enough to matter and unlikely to be chance for this many loans. A comparison with no clear gap in the loans is not published. Express counts SBA Express and Export Express loans. Lines of credit are loans SBA's file flags as revolving. [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)