Over the last five years 9,627 SBA loans in California went to businesses under two years old, 22% of every approval in the state (9 points below the national rate). 3,519 of them were loans that opened the business in the first place.
Every lender here has approved loans for businesses under two years old in California. The percentage is how much of their California lending went to new businesses, which tells you whether they do it routinely or made an exception.