Local lending data
Who lends to businesses in Napa County?
116 SBA 7(a) loans went to businesses in Napa County recently, at a median of $150,000. The lenders that made them, ranked, with local rates and startup share.
116 SBA 7(a) loans went to businesses in Napa County in the most recent fiscal years, at a median of $150,000. The most active lender was U.S. Bank, with 10 loans.
SBA lending in Napa County, by the numbers
Every figure here is computed from SBA 7(a) loan-level FOIA data released 2026-06-30 — loans that were actually approved to businesses in this county, not advertised ranges.
| Measure | Napa County | California | National |
|---|---|---|---|
| Loans approved | 116 | 24,947 | 214,102 |
| Median loan | $150,000 | $205,000 | $150,000 |
| 25th - 75th percentile | $82,500 - $478,700 | $75,000 - $500,000 | $50,000 - $500,000 |
| Median term | 10 years | 10 years | 10 years |
| Median initial rate | 10.25% | 10.35% | 10.25% |
| Share to startups | 31.0% | 25.6% | 33.6% |
| Charge-off rate, FY2010-19 | 7.0% | 6.9% | 7.1% |
| Jobs supported | 1,055 | 250,791 | 2,142,602 |
Which lenders actually funded them
Ranked by loans approved to businesses in Napa County. The median, startup share and rate columns describe each lender's own loans in this county, not its national averages.
| Lender | Loans | Median loan | Startup share | Median rate |
|---|---|---|---|---|
| U.S. Bank | 10 | $50,000 | 60% | 10.12% |
| Newtek Bank | 9 | $158,000 | 33% | 11.50% |
| Live Oak Banking Company | 8 | $655,000 | 12% | 8.79% |
| Columbia Bank | 8 | $50,000 | 12% | 12.50% |
| BayFirst National Bank | 7 | $150,000 | 0% | 12.75% |
| Northeast Bank | 7 | $121,000 | 29% | 11.25% |
| JPMorgan Chase Bank | 6 | $198,400 | 17% | 11.24% |
| Redwood CU | 5 | $215,000 | 20% | 9.75% |
| Celtic Bank Corporation | 4 | $501,150 | 25% | 10.62% |
| Lendistry SBLC, LLC | 4 | $116,350 | 0% | 11.75% |
What stands out here
Reading these figures against the national picture:
- Loan sizes are typical. The median of $150,000 is within a few percent of the $150,000 national median across all 7(a) borrowers, so nothing about this market is unusual on size.
- Startup share is about average, at 31% against 34% nationally.
- Lending here is fragmented. The top three lenders made only 23% of these loans between them, so no single institution owns this market. That is good news: it means shopping genuinely pays.
Who borrows in Napa County
The mix of industries taking SBA loans here, led by restaurants and hotels.
| Sector | Loans | Share |
|---|---|---|
| Restaurants and Hotels | 20 | 17.2% |
| Healthcare | 19 | 16.4% |
| Retail | 14 | 12.1% |
| Construction | 13 | 11.2% |
| Manufacturing | 10 | 8.6% |
| Wholesale | 9 | 7.8% |
| Professional Services | 9 | 7.8% |
| Personal Services | 5 | 4.3% |
How to use this
- Shortlist three lenders from the table whose median loan in this county is close to what you need. Size match matters more than brand.
- Ask each whether they are a Preferred Lender and how many 7(a) loans they closed last year — see choosing an SBA lender.
- Check your coverage first with the affordability calculator, so you ask for a number your cash flow supports.
- Follow your sector link in the table above for lender data specific to your industry across California.
Other counties in California
- Nearby markets with published data: Los Angeles County, Orange County, San Diego County, Riverside County, San Bernardino County, Sacramento County, Santa Clara County, Alameda County