Antioch is a city in Contra Costa County, California, United States. The city's population was 102,372 at the 2010 census and estimated to be 110,542 in 2019. Antioch is one of the oldest towns in California. It was founded in 1850 by two farmers, William Smith and Joseph Chapman. The town was originally called Smith's Landing.
The city is located in the East Bay region of the San Francisco Bay Area along the San Joaquin-Sacramento River Delta. It is a suburb of San Francisco and Oakland. The economy of Antioch is based on retail, healthcare, and manufacturing. The city's largest employers are Sutter Delta Medical Center, Kaiser Permanente, and the City of Antioch.
The retail sector in Antioch is anchored by Antioch Crossing, a regional shopping center. The healthcare sector is anchored by Sutter Delta Medical Center, a 437-bed acute care hospital. The manufacturing sector is anchored by General Mills, which has a large cereal manufacturing facility in the city.
Comparing SBA loan types in Antioch
Three SBA programs come up most often for Antioch, California businesses, and they do different jobs.
SBA 7(a) loan: program overview
Maximum loan
$5 million (sba.gov, fetched 2026-07-24)
What it funds
Working capital, equipment, owner-occupied commercial real estate, refinancing business debt, and business acquisition.
Who lends
Participating banks and non-bank lenders. The SBA guarantees a portion of the loan; it does not lend directly to borrowers.
Rate structure
Negotiated between lender and borrower, capped at the SBA maximum. Most 7(a) loans price off the WSJ prime rate plus a spread.
Personal guaranty
Required from every owner of 20% or more of the business (13 CFR 120.160(a)).
Program facts confirmed against sba.gov/funding-programs/loans/7a-loans on Jul 24, 2026. Confirm current fees and maximum rates with your lender before relying on them.
SBA 504 loan: program overview
Maximum loan
$5.5 million per the SBA-backed debenture (sba.gov, fetched 2026-07-24). Total project size can be larger because a bank funds the first mortgage alongside it.
What it funds
Major fixed assets: owner-occupied commercial real estate and long-life machinery and equipment. Not working capital or inventory.
Structure
A conventional first-mortgage lender, a Certified Development Company holding the SBA-backed second, and a borrower down payment.
Rate
The CDC portion is fixed for the full term and set at the monthly debenture sale.
Program facts confirmed against sba.gov/funding-programs/loans/504-loans on Jul 24, 2026.
SBA Express: program overview
What it is
A delivery method inside the 7(a) program. The lender uses its own forms and procedures and gets an accelerated SBA response, in exchange for a lower SBA guarantee percentage than Standard 7(a).
What it funds
The same uses as 7(a), including revolving lines of credit, which Standard 7(a) term loans do not offer.
Trade-off
Faster turnaround and lighter paperwork, against a smaller guaranteed portion, which some lenders price for.
Current SBA Express maximum loan size and guarantee percentage are set by SBA notice and change. Confirm them on sba.gov or with your lender; this site does not publish an unverified figure.
Small business loans available in Antioch
An SBA 7(a) loan made to an Antioch, California business is made by a participating lender, not by the SBA.
The lender underwrites it, sets the rate within the SBA maximum, and services it. What varies locally is
which lenders are active, not the program rules.