GOOD
How competitive are their spreads? Lower = better for you.
GOOD
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
351
2011–2025
Total Volume
$332M
Gross loan amounts
States Active
1
With recorded loans
Programs
504
351 total segments
So Cal CDC is a 504-only lender, focusing exclusively on providing financing for existing businesses, with 97% of their deals in this category. This specialization means they are well-suited for established companies looking to expand or invest in real estate and equipment.
With an average deal size of $947,083 and a significant portion of deals (106) falling in the $500K-$1M range, So Cal CDC is ideal for borrowers seeking substantial financing for growth or acquisition in California's competitive market.
So Cal CDC has experienced a -36% year-over-year decline in deals, indicating a potential tightening in their lending activity. Borrowers should be prepared for potentially stricter approval criteria as the lender adjusts to this downturn.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 351 504 loans, which use fixed SBA debenture rates.
States where So Cal CDC has recorded SBA lending activity.
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Manufacturing
Manufacturing
Wholesale Trade
Wholesale Trade
Physician & Dental Offices
Health Care & Social Assistance
Auto Repair & Maintenance
Other Services
Real Estate
Real Estate
Transportation & Warehousing
Transportation & Warehousing
Administrative & Waste Services
Administrative & Waste Services
Restaurants & Food Service
Accommodation & Food Services
+ 7 more
All recorded SBA lending activity for So Cal CDC, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| California · Wholesale Trade · $500K – $1M | 504 | 17 | — | $732K | Q1 2023 |
| California · Manufacturing · $500K – $1M | 504 | 17 | — | $732K | Q3 2025 |
| California · Wholesale Trade · $1M – $2M | 504 | 12 | — | $1.3M | Q4 2022 |
| California · Manufacturing · $2M – $5M | 504 | 10 | — | $3.1M | Q1 2022 |
| California · Manufacturing · $350K – $500K | 504 | 10 | — | $437K | Q1 2020 |
| California · Manufacturing · $150K – $350K | 504 | 10 | — | $245K | Q4 2020 |
| California · Auto Repair & Maintenance · $150K – $350K | 504 | 9 | — | $249K | Q1 2023 |
| California · Physician & Dental Offices · $500K – $1M | 504 | 8 | — | $741K | Q4 2021 |
| California · Physician & Dental Offices · $1M – $2M | 504 | 7 | — | $1.4M | Q2 2023 |
| California · Auto Repair & Maintenance · $500K – $1M | 504 | 7 | — | $713K | Q4 2022 |
| California · Administrative & Waste Services · $150K – $350K | 504 | 6 | — | $254K | Q1 2022 |
| California · Real Estate · $500K – $1M | 504 | 6 | — | $663K | Q1 2023 |
| California · Real Estate · $150K – $350K | 504 | 6 | — | $307K | Q2 2021 |
| California · Wholesale Trade · $150K – $350K | 504 | 6 | — | $247K | Q3 2016 |
| California · Transportation & Warehousing · $1M – $2M | 504 | 6 | — | $1.3M | Q4 2022 |
| California · Wholesale Trade · $2M – $5M | 504 | 5 | — | $3.4M | Q3 2022 |
| California · Physician & Dental Offices · $350K – $500K | 504 | 5 | — | $429K | Q2 2021 |
| California · Hotels & Accommodation · $2M – $5M | 504 | 5 | — | $3.8M | Q4 2018 |
| California · Arts, Entertainment & Recreation · $1M – $2M | 504 | 5 | — | $1.5M | Q1 2024 |
| California · Administrative & Waste Services · $500K – $1M | 504 | 5 | — | $833K | Q2 2021 |
| California · Physician & Dental Offices · $150K – $350K | 504 | 5 | — | $284K | Q1 2017 |
| California · Transportation & Warehousing · $500K – $1M | 504 | 4 | — | $649K | Q2 2021 |
| California · Other Professional Services · $500K – $1M | 504 | 4 | — | $684K | Q1 2023 |
| California · Manufacturing · $1M – $2M | 504 | 4 | — | $1.3M | Q3 2019 |
| California · Wholesale Trade · $350K – $500K | 504 | 4 | — | $412K | Q3 2021 |
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Real experiences from borrowers who closed SBA loans with So Cal CDC.
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