Offices of Certified Public Accountants acquisitions in California: SBA loan data
Since FY2018, SBA lenders have approved 59 7(a) loans to buy an existing business classified as Offices of Certified Public Accountants in California, totaling $57.8M. The median loan was $689,000. That is 1.1% of the 5,184 acquisition loans in California.
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How Offices of Certified Public Accountants in California compares
| Measure | Offices of Certified Public... | California, all industries | Offices of Certified..., nationwide | All acquisitions |
|---|---|---|---|---|
| Median loan | $689,000 | $600,000 | $495,000 | $645,250 |
| Middle half of loans | $423,500 to $1,346,400 | $296,225 to $1,395,000 | $270,000 to $933,625 | $283,000 to $1,465,000 |
| Average initial rate | 7.35% | 7.87% | 7.69% | 7.76% |
| Median term | 10 years | 10 years | 10 years | 10 years |
| Charge-off rate (seasoned loans) | 0.0% | 4.1% | 2.9% | 3.5% |
| Loans in sample | 59 | 5,184 | 620 | 48,902 |
The median for Offices of Certified Public Accountants acquisition loans in California is $689,000, slightly above the $600,000 median for all California acquisitions, above the $495,000 median for Offices of Certified Public Accountants acquisitions nationwide and slightly above the $645,250 median for all SBA-financed acquisitions nationally.
The middle half runs $423,500 to $1,346,400, against $283,000 to $1,465,000 nationally; the median term is 10 years, the same as the national median; the average initial rate is 7.35%, below the 7.76% national average.
None of the seasoned loans were charged off, against 4.1% for all California acquisitions, 2.9% for Offices of Certified Public Accountants acquisitions nationwide and 3.5% for all acquisition loans.
Loan size distribution
| Loan size | Offices of Certified Public... | All acquisitions |
|---|---|---|
| Under $350K | 19% | 30% |
| $350K to under $1M | 46% | 33% |
| $1M to under $2M | 27% | 19% |
| $2M and over | 8% | 17% |
Most Offices of Certified Public Accountants acquisition loans in California (64%) were under $1M, and the largest single band is $350K to under $1M at 46%, against 33% of all acquisition loans.
Bands are fixed dollar ranges chosen for comparison. They are not SBA program limits.
Lender concentration
Live Oak Banking Company made 31% of Offices of Certified Public Accountants acquisition loans in California, and the top three lenders together made 54%. 6 of the 20 lenders involved made three or more. A few banks carry most of the volume. That is a rough guide to how many banks have seen this kind of deal before.
Recent activity
In FY2025 and FY2026 combined, 20 Offices of Certified Public Accountants acquisition loans in California were approved. That is 67% more than the 12 approved in FY2023 and FY2024. The median was $736,550, slightly above the $689,000 median across all years.
Offices of Certified Public Accountants acquisition loans in California by year
| Fiscal year | Loans | Total approved | Median loan | |
|---|---|---|---|---|
| FY2018 | 2 | $649K | $324,250 | |
| FY2019 | 2 | $762K | $381,000 | |
| FY2020 | 6 | $5M | $661,450 | |
| FY2021 | 14 | $10.5M | $708,550 | |
| FY2022 | 3 | $5.1M | $1,650,000 | |
| FY2023 | 5 | $6.1M | $715,000 | |
| FY2024 | 7 | $6.5M | $790,500 | |
| FY2025 | 9 | $7M | $500,000 | |
| FY2026 | 11 | $16.3M | $1,166,700 |
How often do these acquisition loans fail?
Of the 24 Offices of Certified Public Accountants in California acquisition loans approved from FY2018 to FY2021 (the seasoned cohort, every loan at least about five years old), none have been charged off by the SBA. 9 have already been paid in full.
For comparison, Offices of Certified Public Accountants in California has none charged off, against the 3.5% average across all SBA 7(a) acquisition loans in the same cohort. Non-acquisition 7(a) loans (every other stated purpose) approved FY2018 to FY2021 charged off at 6.2%.
"Charged off" is the SBA's final loss action on a defaulted loan after collection efforts. It lags default by a year or more, which is why only older cohorts are measured. It is not the same as a delinquency rate, and loans still outstanding can still fail. See charge-off in the glossary.
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Top lenders
| # | Lender | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | Live Oak Banking Company | 18 | 30.5% | $15.3M | |
| 2 | U.S. Bank, National Association | 8 | 13.6% | $6.4M | |
| 3 | Plumas Bank | 6 | 10.2% | $1.4M | |
| 4 | BMO Bank National Association | 5 | 8.5% | $3.6M | |
| 5 | Banc of California | 3 | 5.1% | $2.6M |
Top franchise brands
No franchise brands recorded in this combination.
The purchase agreement decides what you bought, not the loan approval.
Request Engagement AssessmentAlex Lubyansky leads every engagement.
Questions buyers ask
How much do SBA loans for Offices of Certified Public Accountants acquisitions in California run?
The median SBA 7(a) loan was $689,000 across 59 loans (FY2018 to FY2026), with the middle half between $423,500 and $1,346,400. The loan excludes the buyer's equity and any seller note and may include working capital, so the price is usually higher than the loan.
Which banks finance Offices of Certified Public Accountants acquisitions in California?
Live Oak Banking Company (18), U.S. Bank, National Association (8), Plumas Bank (6), BMO Bank National Association (5), Banc of California (3). Some lenders repeatedly finance this industry in this state; the counts above show which.
How often do Offices of Certified Public Accountants acquisition loans fail in California?
Of 24 seasoned loans (FY2018 to FY2021), none were charged off, against the 3.5% rate for all SBA acquisition loans. With a sample this size, treat the figure as a direction, not a precise rate.
Are franchised businesses part of Offices of Certified Public Accountants acquisitions in California?
1 of the 59 loans (2%) involved a franchise brand.
How much do you need down for an SBA loan to buy an Offices of Certified Public Accountants business in California?
The SBA requires the buyer to make an equity injection, commonly 10% of total project cost, and a lender may ask for more. The SBA file does not record injections, so the figures here are the financed portion: the median for Offices of Certified Public Accountants acquisition loans in California was $689,000, and the middle half ran $423,500 to $1,346,400.
How long does an SBA acquisition loan take?
For a change-of-ownership 7(a) loan, 45 to 90 days from application to close is typical. It varies by lender and by how quickly third-party reports, such as the business valuation and appraisal, come back. The SBA file records approval dates, not application dates, so this site cannot measure it. Lenders approved 20 Offices of Certified Public Accountants acquisition loans in California in FY2025 and FY2026.
Which banks make SBA loans for an Offices of Certified Public Accountants business in California?
By loan count, FY2018 to FY2026: Live Oak Banking Company (18), U.S. Bank, National Association (8), Plumas Bank (6), BMO Bank National Association (5), Banc of California (3). Live Oak Banking Company made 31% of Offices of Certified Public Accountants acquisition loans in California. Counts show past approvals only and do not predict whether a lender will approve a particular deal.
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Related
- All California acquisitions
- Offices of Certified Public Accountants nationally
- Offices of Certified Public Accountants in Florida
- Offices of Certified Public Accountants in Texas
- Offices of Certified Public Accountants in North Carolina
- Offices of Certified Public Accountants in Illinois
- Offices of Certified Public Accountants in Ohio
- Offices of Certified Public Accountants in Washington
- Offices of Certified Public Accountants in Colorado
- Offices of Certified Public Accountants in Indiana
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Small samples move a lot: each loan in this combination is 2% of the count. Industry is the NAICS code the lender recorded. See the methodology.
Cite this data
SBA Acquisition Data, "Offices of Certified Public Accountants in California: SBA acquisition loan data", https://sbaacquisitiondata.com/state/ca/offices-of-certified-public-accountants-541211 (data as of September 30, 2026). Source: U.S. Small Business Administration 7(a) loan file, data.sba.gov. Aggregated by SBA Acquisition Data.
The figures on this page are also published as JSON at https://sbaacquisitiondata.com/data/state/ca/offices-of-certified-public-accountants-541211.json.