Local lending data
Who lends to businesses in Ventura County?
572 SBA 7(a) loans went to businesses in Ventura County recently, at a median of $150,000. The lenders that made them, ranked, with local rates and startup share.
572 SBA 7(a) loans went to businesses in Ventura County in the most recent fiscal years, at a median of $150,000. The most active lender was U.S. Bank, with 94 loans.
SBA lending in Ventura 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 | Ventura County | California | National |
|---|---|---|---|
| Loans approved | 572 | 24,947 | 214,102 |
| Median loan | $150,000 | $205,000 | $150,000 |
| 25th - 75th percentile | $50,000 - $463,625 | $75,000 - $500,000 | $50,000 - $500,000 |
| Median term | 10 years | 10 years | 10 years |
| Median initial rate | 10.50% | 10.35% | 10.25% |
| Share to startups | 24.7% | 25.6% | 33.6% |
| Charge-off rate, FY2010-19 | 5.8% | 6.9% | 7.1% |
| Jobs supported | 4,957 | 250,791 | 2,142,602 |
Which lenders actually funded them
Ranked by loans approved to businesses in Ventura 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 | 94 | $40,000 | 36% | 9.62% |
| Readycap Lending, LLC | 42 | $122,500 | 10% | 11.25% |
| Newtek Bank | 42 | $200,000 | 17% | 11.50% |
| The Huntington National Bank | 32 | $275,000 | 50% | 10.50% |
| Northeast Bank | 31 | $150,000 | 13% | 10.50% |
| Mission Bank | 28 | $330,000 | 14% | 10.25% |
| Wells Fargo Bank | 27 | $20,000 | 82% | 13.00% |
| BayFirst National Bank | 25 | $150,000 | 0% | 12.75% |
| JPMorgan Chase Bank | 21 | $200,000 | 0% | 11.55% |
| Live Oak Banking Company | 20 | $726,500 | 20% | 9.50% |
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.
- This is a hard market for new businesses. Only 25% of these loans went to startups, against 34% nationally. If you are pre-revenue, work from the startup table below rather than the main list.
- No single lender dominates, but the top three made 31% of these loans, so the shortlist below covers most of the active market.
Who borrows in Ventura County
The mix of industries taking SBA loans here, led by construction.
| Sector | Loans | Share |
|---|---|---|
| Construction | 89 | 15.6% |
| Professional Services | 86 | 15.0% |
| Retail | 61 | 10.7% |
| Personal Services | 60 | 10.5% |
| Restaurants and Hotels | 56 | 9.8% |
| Healthcare | 49 | 8.6% |
| Manufacturing | 35 | 6.1% |
| Wholesale | 30 | 5.2% |
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