SBA loans to commercial building owners that house an operating business in California
Short answer
SBA's loan file shows 115 loans to commercial building owners that house an operating business in California since October 2019. Fewer than 5 of them went through SBA Express, against 16.7% nationally. 55.7% went to businesses more than two years old, against 34.9% nationally.
- SBA loans, Oct 2019 to Jun 2026
- 115
- median loan
- $1,154,500
- dollars approved
- $167.13M
- went to firms over 2 years old
- 55.7%
These are the 115 SBA 7(a) loans to commercial building owners that house an operating business in California 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. SBA Express was a less common route here, so most of these loans went through other 7(a) loan types.
SBA Express
Fewer than 5 of the 115 loans in California went through SBA Express, against 16.7% nationally.
Established businesses
55.7% of the loans in California went to businesses more than two years old, against 34.9% nationally.
Loan size
The medianThe middle figure. Half the loans were larger and half were smaller. loan was $1,154,500 in California, 75% above the national median of $660,000.
The middle half of loans in California ran from $643,500 to $1,990,400. Nationally the middle half ran from $319,000 to $1,317,000.
We compared 8 measures with the national figure for the same period, and these are the 3 that differ clearly. One more difference is in the table.
California next to the U.S.
| Measure | California | United States | Reading |
|---|---|---|---|
| Industry's share of all SBA loans | 0.30% | 0.23% | No clear gap |
| Median loan | $1,154,500 | $660,000 | Clearly higher |
| Middle half of loans | $643,500 to $1,990,400 | $319,000 to $1,317,000 | – |
| Startups (the loan opens the business) | 7.0% | 22.7% | Clearly lower |
| In business 2 years or less | 34.8% | 34.7% | No clear gap |
| In business more than 2 years | 55.7% | 34.9% | Clearly higher |
| Change of ownership | Fewer than 5 | 6.1% | n/a |
| SBA Express | Fewer than 5 | 16.7% | Clearly lower |
| Lines of credit | 0.0% | 3.1% | No clear gap |
| Median term | 25 years | 25 years | – |
| Median spread over Prime at approval | 1.62 points over Prime | 1.75 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 66 of the 115 loans approved October 2019 to June 2026, or 57.4%. A lender is listed when it has 5 or more of them, five at most.
| Lender | Loans | Share here | U.S. share |
|---|---|---|---|
| Wells Fargo Bank | 24 | 20.9% | 8.8% |
| Harvest Small Business Finance, LLC | 19 | 16.5% | 5.1% |
| U.S. Bank | 10 | 8.7% | Not in top 5 |
| Enterprise Bank & Trust | 7 | 6.1% | Not in top 5 |
| East West Bank | 6 | 5.2% | Not in top 5 |
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.
More industries in California
Other industries in California with a clear difference from the national pattern, most loans first.
| Industry | Loans since October 2019 |
|---|---|
| Sit-down restaurants | 1,924 |
| Fast-food, pizza and counter-service restaurants | 1,330 |
| Dental practices | 694 |
| Plumbing and HVAC companies | 639 |
| Gyms, fitness studios and recreational sports centers | 632 |
| Home remodeling contractors | 621 |
| Auto repair shops | 618 |
| Local trucking companies | 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.
Download this page's data: JSON · CSV
Cite this page: SBA loans to commercial building owners that house an operating business in California. SBA Express Loans, Janover Capital LLC (data as of June 30, 2026). https://www.sbaexpress.loans/industries/lessors-of-nonresidential-buildings/california/
Ask lending partners about your loan in California
Tell us your state, loan amount and purpose, and we route your inquiry 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.