# Centerstone SBA Lending SBA loans in California **Short answer:** SBA's loan file shows Centerstone SBA Lending made 38 SBA loans in California since October 2023. 71.1% went to businesses more than two years old, against 35.2% of its loans nationally. Canonical page: https://www.sbaexpress.loans/sba-express-lenders/centerstone-sba-lending/california/ Data as of: 2026-06-30 This site is not Centerstone SBA Lending sbaexpress.loans is not Centerstone SBA Lending, and Centerstone SBA Lending did not provide, review or pay for this page. Janover Capital LLC runs this site. Every figure on this page comes from SBA's public 7(a) loan file, not from Centerstone SBA Lending. A small base This page rests on 38 loans. Medians and shares on so few loans can swing on a few loans, so use them as a rough guide. These are the 38 SBA 7(a) loans [Centerstone SBA Lending](https://www.sbaexpress.loans/sba-express-lenders/centerstone-sba-lending/) made in [California](https://www.sbaexpress.loans/california-small-business-loans/) approved October 2023 to June 2026. Each figure is set against all of its loans in the U.S. over the same period. State is where the business is, not where the lender is based. The file lists loans SBA approved, so it shows what the lender has done and not what it will do for you. ## How Centerstone SBA Lending differs in California **What this means for you.** Most of these loans went to businesses with more than two years of history, so an operating record is what Centerstone SBA Lending usually saw. ### Established businesses 71.1% of the loans in California went to businesses more than two years old, against 35.2% of its loans nationally. In business more than 2 years, share of loans, Oct 2023 to Jun 2026 - California: 71.1% - All its U.S. loans: 35.2% We compared 5 measures with the national figure for the same period, and this is the one that differs clearly. One more difference is in the table. ## California next to the U.S. **California compared with all of Centerstone SBA Lending's U.S. loans, October 2023 to June 2026** | Measure | California | All its U.S. loans | Reading | | --- | --- | --- | --- | | Lender's share of all SBA loans | 0.19% | 0.12% | No clear gap | | Median loan | $646,500 | $870,000 | No clear gap | | Middle half of loans | $460,000 to $1,257,750 | $509,500 to $1,635,000 | – | | Startups (the loan opens the business) | Fewer than 5 | 13.6% | n/a | | In business 2 years or less | 0.0% | 3.5% | No clear gap | | In business more than 2 years | 71.1% | 35.2% | Clearly higher | | Change of ownership | 21.1% | 47.7% | Clearly lower | | SBA Express | 0.0% | 0.0% | n/a | | Lines of credit | 0.0% | 0.0% | n/a | | Median term | 10 years | 14 years | – | | Median spread over Prime at approval | 2.38 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. ## What Centerstone SBA Lending lends to in California The 2 industries below account for 13 of the 71 loans approved October 2019 to June 2026, or 18.3%. An industry is listed when it has 5 or more of them, five at most. No industry reached 5 loans since October 2023, so this table uses October 2019 to June 2026. **Top industries in California** | Industry | Loans | Share here | U.S. share | | --- | --- | --- | --- | | [Full-Service Restaurants](https://www.sbaexpress.loans/industries/full-service-restaurants/) | 8 | 11.3% | 9.1% | | [Limited-Service Restaurants](https://www.sbaexpress.loans/industries/limited-service-restaurants/) | 5 | 7.0% | 8.0% | Share here is the industry's share of the lender's loans in this state. U.S. share is its share of all the lender's loans nationally. Not in top 5 means it is not one of the lender's five most common industries. ## Other lenders in California Other lenders in California with a clear difference from the national pattern, most loans first. **Other lenders in California** | Lender | Loans since October 2019 | | --- | --- | | [The Huntington National Bank](https://www.sbaexpress.loans/sba-express-lenders/the-huntington-national-bank/california/) | 1,484 | | [Northeast Bank (Portland, ME)](https://www.sbaexpress.loans/sba-express-lenders/northeast-bank/california/) | 1,093 | | [Bank of Hope](https://www.sbaexpress.loans/sba-express-lenders/bank-of-hope/california/) | 910 | | [Bank of America](https://www.sbaexpress.loans/sba-express-lenders/bank-of-america/california/) | 866 | | [Harvest Small Business Finance, LLC](https://www.sbaexpress.loans/sba-express-lenders/harvest-small-business-finance-llc/california/) | 852 | | [Enterprise Bank & Trust](https://www.sbaexpress.loans/sba-express-lenders/enterprise-bank-and-trust/california/) | 560 | | [East West Bank](https://www.sbaexpress.loans/sba-express-lenders/east-west-bank/california/) | 527 | | [Zions Bank](https://www.sbaexpress.loans/sba-express-lenders/zions-bank/california/) | 519 | 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. A lender's past loans do not describe its current credit policy. Location is the borrower's address in the file. Loans are those approved October 1, 2023 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)