SBA Lending in Santa Cruz, California
The SBA FOIA record lists 910 7(a) approvals worth $302M for businesses in Santa Cruz, CA, and annual volume has fallen 53% versus the prior decade.
- 910
- 7(a) loans
- $302M
- Approved dollars
- $332,319
- Average loan size
- #45
- Rank in California
- -53%
- Annualized vs prior decade
- 2.2%
- Active-status distress
Santa Cruz is the #45 SBA 7(a) market in California and #222 in the country. Since 1991 the FOIA record lists 910 approvals here worth $302M, averaging $332,319 each. Annual approval volume has fallen 53% between FY2013-2019 and FY2020-2026. Among 92 active-status loans, 2.2% are delinquent, past due, or in liquidation. The local business type with the most listed records is full-service restaurants.
What Santa Cruz borrows for
Who lends in Santa Cruz
Open the national map, drill into California, and compare Santa Cruz against every zip code in the state.
Open the interactive map ↗7(a) loans only, approved and not cancelled, gross basis, grouped by the borrower's city as filed. Active-status distress counts DELINQ, PSTDUE, or LIQUID loans as a share of CURR, DELINQ, PSTDUE, LIQUID, or DEFERD loans. Approval is not funding. FOIA record as of March 31, 2026. Methodology.