Feasibility Study Data for the San Jose-Sunnyvale-Santa Clara, CA Metro Area

San Jose: what the area shows

San Jose-Sunnyvale-Santa Clara, CA is a metropolitan area, and its 3,106 SBA approvals in FY2017 to FY2026 carried $2.35 billion in gross dollars. San Jose-Sunnyvale-Santa Clara, CA departs nationally on losses: across 3,106 loans, the charge-off floor below for San Jose sits outside our margin. San Jose ranks as an upper-tier area, 41 of 928 by loan count. San Jose, with every class pooled, is read in San Jose-Sunnyvale-Santa Clara, CA. No state or national table offers that view of San Jose.

San Jose's middle-half loans run $150,000 to $950,375, with $357,300 at the median. San Jose sits well above the national level, at 1.72x the national median, so a San Jose study should size its request from San Jose approvals. In San Jose-Sunnyvale-Santa Clara, CA the 7(a) count is 2,557 and the 504 count is 549, which puts 7(a) ahead in San Jose. 10.3% of San Jose loans went to franchised businesses, so a San Jose study names the brand, if any, for San Jose.

San Jose: classes, places and lenders

Loan counts for San Jose's tracked classes peak at full-service restaurant (203); limited-service restaurant (98); dental office (94); child care center (77). San Jose also holds 2,159 loans outside every tracked class; San Jose small business lending shows here. San Jose's busiest counties are Santa Clara County, CA with 3,033 and San Benito County, CA with 73, so a San Jose project's boundary matters when San Jose borrowers cite area-wide figures. San Jose 7(a) leaders: U.S. Bank, National Association ($109.7 million, 304 loans); Wells Fargo Bank National Association ($129.5 million, 258 loans); JPMorgan Chase Bank, National Association ($34.4 million, 120 loans). San Jose 504 leaders: The Mortgage Capital Development Corporation ($352.9 million, 234 loans); Capital Access Group, Inc. ($170.9 million, 129 loans); Bay Area Employment Development Company ($80.4 million, 68 loans), in that order. SBA keeps records of San Jose loans each lender holds or held; U.S. Bank, National Association leads with 304, and no San Jose lender is judged.

San Jose, between FY2017 (349 loans) and FY2026 (284), peaked at 439 in FY2025 and bottomed at 245 in FY2022. Of San Jose approvals in FY2017 to FY2024, San Jose saw at least 11.2% cancelled, and at most 12.2% if San Jose loans still undisbursed count as cancelled in San Jose. 3.9% is the floor for San Jose loans charged off among the 1,321 disbursed in FY2017 to FY2021. Early San Jose charge-offs, those within five years, reach 1.8%. San Jose faces a geography limit: San Jose-Sunnyvale-Santa Clara, CA uses the July 2023 definition; 3,106 loans are matched by county, and unplaceable San Jose loans are omitted, so San Jose counts and rates are floors.

San Jose: testing a project

A San Jose feasibility study begins with San Jose demand from the right counties: Santa Clara County, CA leads the loan counts, though San Jose is wider. If a San Jose concept resembles full-service restaurant, San Jose offers size and lender precedent; other San Jose concepts must rest on their own San Jose evidence. San Jose quotes should price construction and equipment. Then San Jose debt service coverage is tested at $357,300, and again at $950,375. San Jose appraisals compare within one submarket of San Jose-Sunnyvale-Santa Clara, CA, not across averages. Nothing printed for San Jose predicts approval; each San Jose lender still reviews a study.