SBA Lending in Santa Cruz, California
Businesses in Santa Cruz, CA have drawn 910 SBA 7(a) loans worth $302M, 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
- 5.1%
- Active-loan distress
Santa Cruz is the #45 SBA 7(a) market in California and #222 in the country. Since 1991 lenders have approved 910 loans here worth $302M, averaging $332,319 each. Annual approval volume has fallen 53% between FY2013-2019 and FY2020-2026. 5.1% of the active book is delinquent, past due, or in liquidation. The most-funded local business type 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. Distress is the current share of the active book in delinquent, past-due, or liquidation status. Approval is not funding. FOIA record as of March 31, 2026.