GOOD
How competitive are their spreads? Lower = better for you.
STRONG
Total SBA loans closed. More deals = more experience.
GOOD
How many industries do they lend in? More = flexible.
WEAK
States where they've done deals. Wider = easier if you're out of state.
Total SBA Loans
873
2010–2026
Total Volume
$632M
Gross loan amounts
States Active
1
With recorded loans
Programs
504
873 total segments
Cen Cal Business Finance Group is a 504-only lender, which means they specialize in providing financing for real estate and equipment, unlike most lenders that offer both 7(a) and 504 loans. This focus can be beneficial for businesses looking to acquire property or make significant capital investments.
With an average deal size of $723,483 and a significant concentration in the $150K-$350K range (261 deals), Cen Cal is well-suited for businesses needing mid-sized loans for existing operations, particularly in industries like healthcare and construction.
Cen Cal has shown a strong growth trend, with a 24% year-over-year increase in deals. This suggests they are gaining traction in the market, making them a potentially reliable partner for your financing needs.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 873 504 loans, which use fixed SBA debenture rates.
States where Cen Cal Business Finance Group has recorded SBA lending activity.
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Physician & Dental Offices
Health Care & Social Assistance
Specialty Trade Contractors
Construction
Auto Repair & Maintenance
Other Services
Manufacturing
Manufacturing
Real Estate
Real Estate
Other Health Practitioners
Health Care & Social Assistance
Transportation & Warehousing
Transportation & Warehousing
Restaurants & Food Service
Accommodation & Food Services
+ 7 more
All recorded SBA lending activity for Cen Cal Business Finance Group, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| California · Physician & Dental Offices · $500K – $1M | 504 | 33 | — | $713K | Q4 2025 |
| California · Specialty Trade Contractors · $150K – $350K | 504 | 30 | — | $242K | Q2 2022 |
| California · Physician & Dental Offices · $150K – $350K | 504 | 26 | — | $249K | Q3 2024 |
| California · Physician & Dental Offices · $350K – $500K | 504 | 19 | — | $422K | Q3 2025 |
| California · Real Estate · $150K – $350K | 504 | 18 | — | $223K | Q4 2021 |
| California · Hotels & Accommodation · $2M – $5M | 504 | 17 | — | $3.5M | Q3 2025 |
| California · Specialty Trade Contractors · $500K – $1M | 504 | 16 | — | $746K | Q2 2025 |
| California · Gas Stations · $1M – $2M | 504 | 15 | — | $1.4M | Q4 2021 |
| California · Auto Repair & Maintenance · $150K – $350K | 504 | 14 | — | $235K | Q2 2024 |
| California · Physician & Dental Offices · $1M – $2M | 504 | 14 | — | $1.4M | Q3 2024 |
| California · Restaurants & Food Service · $150K – $350K | 504 | 14 | — | $262K | Q2 2022 |
| California · Other Health Practitioners · $150K – $350K | 504 | 14 | — | $236K | Q3 2022 |
| California · Manufacturing · $500K – $1M | 504 | 13 | — | $810K | Q1 2023 |
| California · Auto Repair & Maintenance · $500K – $1M | 504 | 13 | — | $672K | Q4 2023 |
| California · Restaurants & Food Service · $500K – $1M | 504 | 13 | — | $681K | Q1 2021 |
| California · Real Estate · $500K – $1M | 504 | 12 | — | $727K | Q1 2022 |
| California · Administrative & Waste Services · $150K – $350K | 504 | 11 | — | $257K | Q4 2019 |
| California · Gas Stations · $500K – $1M | 504 | 11 | — | $745K | Q4 2018 |
| California · Transportation & Warehousing · $150K – $350K | 504 | 11 | — | $234K | Q4 2024 |
| California · Retail Trade · $150K – $350K | 504 | 11 | — | $272K | Q3 2024 |
| California · Engineering & Architecture · $150K – $350K | 504 | 11 | — | $251K | Q4 2023 |
| California · Transportation & Warehousing · $1M – $2M | 504 | 11 | — | $1.2M | Q4 2025 |
| California · Manufacturing · $150K – $350K | 504 | 10 | — | $248K | Q4 2022 |
| California · Specialty Trade Contractors · $350K – $500K | 504 | 10 | — | $422K | Q3 2025 |
| California · Wholesale Trade · $500K – $1M | 504 | 10 | — | $747K | Q3 2025 |
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Real experiences from borrowers who closed SBA loans with Cen Cal Business Finance Group.
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