Feasibility Study Data for the San Francisco-Oakland-Fremont, CA Metro Area

San Francisco in the SBA loan record

San Francisco-Oakland-Fremont, CA is a metropolitan area, and its 8,553 SBA approvals in FY2017 to FY2026 carried $5.77 billion in gross dollars. San Francisco counts as one of the busiest, ranked 17 of 928 by loans. In San Francisco-Oakland-Fremont, CA, every asset class is pooled for San Francisco. That view of San Francisco is missing from CA and national tables.

San Francisco: half of loans run $116,000 to $850,000, around a median of $350,000. San Francisco sits well above the national level: its 1.68x ratio to the national median means San Francisco requests sized nationally may look small. San Francisco: 7(a) leads the mix, with 7,081 7(a) loans against 1,472 under 504. San Francisco franchised businesses took 9.0% of loans, so a branded concept in San Francisco needs a brand-cost check in San Francisco.

San Francisco: classes, places and lenders

San Francisco class counts run full-service restaurant at 574, limited-service restaurant at 324, dental office at 184, child care center at 177. Another 5,852 San Francisco loans sit in no tracked class, so San Francisco totals describe operating businesses, not only property. San Francisco's busiest counties are Alameda County, CA with 3,140, Contra Costa County, CA with 1,987, and San Francisco County, CA with 1,690, so a San Francisco project's boundary matters when San Francisco borrowers cite area-wide figures. San Francisco 7(a) lending is led by 883 loans at U.S. Bank, National Association ($377.4 million); 746 loans at Wells Fargo Bank National Association ($269.5 million); 355 loans at JPMorgan Chase Bank, National Association ($85.4 million). San Francisco 504 record, longest first: The Mortgage Capital Development Corporation with 646 loans, $760.0 million; Capital Access Group, Inc. with 303 loans, $333.1 million; Bay Area Employment Development Company with 276 loans, $284.5 million. San Francisco lender figures, U.S. Bank, National Association's 883 loans included, are an SBA record of San Francisco loans held or once held; no San Francisco lender is judged by them.

San Francisco, between FY2017 (1,001 loans) and FY2026 (819), peaked at 1,179 in FY2025 and bottomed at 683 in FY2020. A San Francisco borrower should know the cancellation record: 11.6% as a floor and 12.8% as a ceiling, for FY2017 to FY2024 San Francisco approvals. Of 3,635 San Francisco loans disbursed in FY2017 to FY2021, 5.6% are charged off, a floor. Early San Francisco charge-offs, those within five years, reach 3.0%. San Francisco-Oakland-Fremont, CA membership follows the July 2023 delineation; San Francisco counties are matched by name, and a San Francisco loan with no match is dropped, so 8,553 is a floor, and every San Francisco rate is too.

San Francisco: what a study has to test

Any San Francisco study defines its San Francisco trade area first, since lending in Alameda County, CA differs from lending across San Francisco-Oakland-Fremont, CA. In San Francisco, a full-service restaurant project has deep precedent; other San Francisco concepts must bring their own evidence of San Francisco demand. The San Francisco cost section uses local quotes; run San Francisco debt service coverage for loans near $350,000 and near $850,000. San Francisco is metropolitan, so submarkets differ, and a San Francisco appraisal should use the site's own San Francisco submarket comparables. The San Francisco record frames questions, and each lender in San Francisco decides on its own.