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Conference Speaker

Heather Luzzi

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A former banking executive with over 30 years of Banking and Finance experience. Luzzi oversees the delivery of SBA services in the Sacramento District’s 22 county Northern California region.


Luzzi just celebrated her 5th year as the Sacramento District Director. Luzzi re-joined the SBA in 2017 as the District Director. She is an experienced banker and leader who understands the challenges of small business owners who want to start and grow companies in the Sacramento area. Luzzi was previously a Senior Vice President at a community bank where she ran the small business lending division until returning to the U.S. Small Business Administration. Luzzi is no stranger to small business, as her grandfather owned and operated a furniture store in San Francisco for over 40 years, both her parents were small business owners and the youngest of her three children started his own small business at the young age of 11. Luzzi is strong advocate for small businesses and the communities that her office serves.


She has also held various other positions at SBA, such as- Loan Officer, Senior Analyst, District International Trade Officer, and Lender Relations Specialist.


As the Small Business Administration’s Sacramento Director, Luzzi is a champion for the region’s entrepreneurs, expands access to SBA programs by under-served communities, increase utilization of SBA services across the district’s 22 North- Eastern Counties. She is responsible and manages all the products and programs for the SBA’s Sacramento Office and throughout Northern California. She can be reached at or 916-735-1709

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