San Jose-Sunnyvale-Santa Clara: hotel and motel lending

Across San Jose-Sunnyvale-Santa Clara, in FY2017 through FY2026, SBA logged 25 hotel and motel loans, adding up to $73.7 million in gross approvals. Within San Jose-Sunnyvale-Santa Clara, hotel and motel lending comes in at 12 of 39 among the asset classes, and San Jose-Sunnyvale-Santa Clara stands at 93 of 807 in all metro and micro areas on hotel and motel loans. San Jose-Sunnyvale-Santa Clara's location quotient is 0.44x: less weight than nationally. A typical San Jose-Sunnyvale-Santa Clara loan, measured by the median, is $3.4 million. The inner half of San Jose-Sunnyvale-Santa Clara loans lies between $1.6 million and $4.4 million, and the median comes to 1.57x of the nationwide class median. San Jose-Sunnyvale-Santa Clara carries a light lodging weighting, with a location quotient of 0.44x and hotels ranking 12 of 39 locally, yet its loans are large: a median of $3.4 million at 1.57x, and a middle half from $1.6 million to $4.4 million. SBA 504 carries 15 loans against 10 under SBA 7(a), and the largest holder in the SBA 504 table is The Mortgage Capital Development Corporation, at $29.6 million.

Of San Jose-Sunnyvale-Santa Clara's 25 loans, 10 are SBA 7(a), 15 SBA 504. Franchise-affiliated units account for 68.0% of the San Jose-Sunnyvale-Santa Clara loans. Among lenders named for San Jose-Sunnyvale-Santa Clara The Mortgage Capital Development Corporation, as current holder, carries $29.6 million across 8 SBA 504 loans. San Jose-Sunnyvale-Santa Clara's lender rows list present holders only. San Jose-Sunnyvale-Santa Clara applicants learn nothing of bank standards here.

San Jose-Sunnyvale-Santa Clara: years, floors and limits

San Jose-Sunnyvale-Santa Clara can show only some years: FY2017 has 6 loans worth $18.9 million. In FY2018, San Jose-Sunnyvale-Santa Clara records 0 loans and $0. The San Jose-Sunnyvale-Santa Clara years not shown: FY2019 to FY2026. The years held back for San Jose-Sunnyvale-Santa Clara are never zeros. A cancellation rate for San Jose-Sunnyvale-Santa Clara: withheld, short of 30 loans. Any San Jose-Sunnyvale-Santa Clara charge-off rate: not published, under 30 loans. San Jose-Sunnyvale-Santa Clara's cut-off is Loan Analytics' own. San Jose-Sunnyvale-Santa Clara has a short FY2017 to FY2021 group. San Jose-Sunnyvale-Santa Clara follows the 2023 July list. Each loan reaches San Jose-Sunnyvale-Santa Clara through its county. San Jose-Sunnyvale-Santa Clara leaves out unmatched loans. One code covers all San Jose-Sunnyvale-Santa Clara lodging. San Jose-Sunnyvale-Santa Clara cannot separate limited-service from full-service. San Jose-Sunnyvale-Santa Clara hotels and motels share one code.

San Jose-Sunnyvale-Santa Clara: what to test

San Jose-area hotel sponsors should identify the flag and its conditions, then show that the rooms can earn the nightly rate and occupancy a loan near $3.4 million requires, weighing cost per room, built or renovated, against it. Compare properties of the same kind, since the data lumps limited-service and full-service lodging together. FY2017 shows 6 loans worth $18.9 million and FY2018 shows 0, an uneven record, so cash flow should be shown for a weak season, from documented operations.

SBA hotel and motel loans in the San Jose-Sunnyvale-Santa Clara, CA Metro Area

Loans approved, FY2017 to FY2026	25
Gross dollars approved	$73.7 million
Median loan	$3.4 million
Middle half of loans, from	$1.6 million
Middle half of loans, to	$4.4 million
SBA 7(a) loans	10
SBA 504 loans	15
Franchise share of loans	68.0%
Rank among metro and micro areas for hotel and motel loans	93 of 807
Rank of hotel and motel among the classes in this area	12 of 39
Location quotient (share of loans against the national share)	0.44x
Median loan against the national median for the class	1.57x

Cancellation and charge-off

Cancelled after approval, FY2017 to FY2024 approvals (a floor)	not reported: fewer than 30 loans in the cohort
Charged off to date, FY2017 to FY2021 disbursed loans (a floor)	withheld

Both rates are floors. SBA withholds the status of open loans, so a loan counts as charged off only once SBA reports it; a rate needs at least 30 loans in its cohort and is otherwise not reported.

SBA hotel and motel loans approved in the San Jose-Sunnyvale-Santa Clara, CA Metro Area, by fiscal year

Fiscal year	Loans	Dollars
FY2017	6	$18.9 million
FY2018	0	$0
FY2019	withheld	withheld
FY2020	withheld	withheld
FY2021	withheld	withheld
FY2022	withheld	withheld
FY2023	withheld	withheld
FY2024	withheld	withheld
FY2025	withheld	withheld
FY2026	withheld	withheld

Most active SBA lenders

SBA 504: lenders by loans approved (the current holder of each loan, as SBA reports it)
Lender	Loans	Dollars
The Mortgage Capital Development Corporation	8	$29.6 million

Lenders with 5 or more loans here; a lender with fewer is not listed, and loans SBA or a receiver holds are counted but never listed as a lender.

Metro is the CBSA (metropolitan or micropolitan statistical area) of the loan's project county, July 2023 delineation (OMB Bulletin 23-01). The county is matched by name (manifests/ld2/county-cbsa-map.csv); a loan whose county cannot be placed in a 2023 CBSA is left out of every metro.

One code for hotels and motels; limited service and full service cannot be separated.

Shared code: Hotels and motels share 721110.

A value marked withheld rests on fewer than 5 loans, or is withheld so that such a figure cannot be derived from other published figures.

Source: U.S. Small Business Administration, 7(a) and 504 loan-level FOIA files (data.sba.gov), as of 2026-09-30; areas from the U.S. Census Bureau CBSA delineation, July 2023 (OMB Bulletin 23-01); Loan Analytics metro cell MA-41940-C07.

Related feasibility study pages

Loan Analytics prepares the feasibility study a lender reads before it commits: for a hotel and motel project in the San Jose-Sunnyvale-Santa Clara, CA Metro Area, financed under SBA 7(a), SBA 504, USDA Business and Industry or a conventional bank loan. Tell us the project and the lender's deadline, and we reply with scope, timeline and fee.

Daniel Smith, MAI

Hotel Feasibility Study in the San Jose-Sunnyvale-Santa Clara, CA Metro Area