Restaurant Feasibility Study in the San Jose-Sunnyvale-Santa Clara, CA Metro Area
What SBA's own loan files show about full-service restaurant lending in the San Jose-Sunnyvale-Santa Clara, CA Metro Area, and what a feasibility study for a project there has to test.
San Jose: full-service restaurant
San Jose drew 203 full-service restaurant loans worth $132.3 million between FY2017 and FY2026. San Jose places 34 of 821 nationally for the class on 203 loans; in San Jose, the class takes 1 of 39. In San Jose, a quotient of 1.31x makes the class far more common. San Jose is told apart by rank and a 1.31x quotient, not by size at $350,000.
$350,000 is typical in San Jose, in a middle half $150,000 to $897,250; against the national median that is 1.27x, well above it. San Jose lending ran 186 through 7(a) against 17 through 504. 7.4% of 203 San Jose loans are franchised.
San Jose's 7(a) table, 13 loans through Hanmi Bank, $4.8 million; 12 through Bank of Hope, $2.5 million; 12 through U.S. Bank, National Association, $1.8 million; 11 through Wells Fargo Bank National Association, $11.6 million; 10 through Celtic Bank Corporation, $2.7 million. San Jose's 504 table, 10 loans through The Mortgage Capital Development Corporation, $14.9 million. San Jose: unnamed holders have under 5 loans. 203 loans in San Jose, by county: Santa Clara County, CA 197; San Benito County, CA 6.
Cancellations in San Jose and charge-offs
In San Jose, cancellations took 11.4% or more of San Jose's FY2017 to FY2024 approvals. San Jose: undisbursed-loan ceiling withheld, not zero. 97 FY2017 to FY2021 loans were disbursed; 8.2% or more have been charged off; San Jose five-year measure: withheld, not zero. San Jose floors rise as loans age. Of San Jose's 203 loans, the high year held 32 in FY2018 and the low year 7 in FY2021; FY2026 shows 14 loans and $7.7 million. Yearly loan counts for San Jose: FY2017 29, FY2018 32, FY2019 24, FY2020 19, FY2021 7, FY2022 13, FY2023 18, FY2024 25, FY2025 22, FY2026 14. Dollars by year: FY2017 $16.7 million, FY2018 $15.6 million, FY2019 $15.7 million, FY2020 $10.4 million, FY2021 $7.8 million, FY2022 $14.3 million, FY2023 $16.2 million, FY2024 $17.4 million, FY2025 $10.6 million, FY2026 $7.7 million.
San Jose: testing the project
San Jose: facing slow months, debt service holds with $132.3 million approved. For 203 loans in San Jose, ventilation costs outside $150,000 to $897,250 need cases. For 203 approvals in San Jose, appraisers split concept from building. San Jose approvals ran from 7 in FY2021 to 32 in FY2018; for San Jose, plan for stalled years. San Jose's quotient, 1.31x: count rivals by cuisine. Across 203 loans, evening cover counts in San Jose carries $350,000.
203 loans fall in San Jose by project county. San Jose follows July 2023 delineation by county. San Jose leaves out unplaceable counties. No census here: 203 loans give San Jose a guide only.
SBA full-service restaurant loans in the San Jose-Sunnyvale-Santa Clara, CA Metro Area
| Loans approved, FY2017 to FY2026 | 203 |
|---|---|
| Gross dollars approved | $132.3 million |
| Median loan | $350,000 |
| Middle half of loans, from | $150,000 |
| Middle half of loans, to | $897,250 |
| SBA 7(a) loans | 186 |
| SBA 504 loans | 17 |
| Franchise share of loans | 7.4% |
| Rank among metro and micro areas for full-service restaurant loans | 34 of 821 |
| Rank of full-service restaurant among the classes in this area | 1 of 39 |
| Location quotient (share of loans against the national share) | 1.31x |
| Median loan against the national median for the class | 1.27x |
Cancellation and charge-off
| Cancelled after approval, FY2017 to FY2024 approvals (a floor) | 11.4% |
|---|---|
| The same, counting loans still undisbursed as cancelled (a ceiling) | withheld |
| Charged off to date, FY2017 to FY2021 disbursed loans (a floor) | 8.2% |
| Charged off within five years of approval | withheld |
| Loans in that cohort | 97 |
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 full-service restaurant loans approved in the San Jose-Sunnyvale-Santa Clara, CA Metro Area, by fiscal year
| Fiscal year | Loans | Dollars |
|---|---|---|
| FY2017 | 29 | $16.7 million |
| FY2018 | 32 | $15.6 million |
| FY2019 | 24 | $15.7 million |
| FY2020 | 19 | $10.4 million |
| FY2021 | 7 | $7.8 million |
| FY2022 | 13 | $14.3 million |
| FY2023 | 18 | $16.2 million |
| FY2024 | 25 | $17.4 million |
| FY2025 | 22 | $10.6 million |
| FY2026 | 14 | $7.7 million |
Most active SBA lenders
| Lender | Loans | Dollars |
|---|---|---|
| The Mortgage Capital Development Corporation | 10 | $14.9 million |
| Lender | Loans | Dollars |
|---|---|---|
| Hanmi Bank | 13 | $4.8 million |
| Bank of Hope | 12 | $2.5 million |
| U.S. Bank, National Association | 12 | $1.8 million |
| Wells Fargo Bank National Association | 11 | $11.6 million |
| Celtic Bank Corporation | 10 | $2.7 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.
Where the loans are, by county
| County | Loans |
|---|---|
| Santa Clara County, CA | 197 |
| San Benito County, CA | 6 |
Counties with 5 or more loans; smaller ones are not listed.
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.
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-C34.
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