Bay Area Employment Development Company: SBA Lending Record
What SBA's own loan files show about Bay Area Employment Development Company as an SBA lender, and how a lender's record bears on a feasibility study.
Gross approvals for Bay Area Employment Development Company total $782.0 million on 714 loans, FY2017 to FY2026. 714 loans, all in 504, stand against Bay Area Employment Development Company; none are 7(a). 714 504 loans list Bay Area Employment Development Company as their development company. Bay Area Employment Development Company does not guarantee 714 loans; SBA does. Bay Area Employment Development Company 504 projects: first-lien lenders go uncredited.
What Bay Area Employment Development Company holds, by class and state
Bay Area Employment Development Company puts its largest named classes at Dental office, 57, Hotel and motel, 24, Full-service restaurant, 23, Child care center, 23 and Automotive mechanical repair (car and truck), 22 loans. Bay Area Employment Development Company's largest group, 433 loans, fits no class.
Bay Area Employment Development Company outcome floors
9.4% is the cancellation floor on Bay Area Employment Development Company approvals from FY2017 to FY2024. Bay Area Employment Development Company has a ceiling of 12.6% once undisbursed approvals count as cancelled. Bay Area Employment Development Company has no charged-off rate to print. Bay Area Employment Development Company had under 30 of 714 loans disbursed in FY2017 to FY2021. Bay Area Employment Development Company rate: withheld by Loan Analytics' own rule. Bay Area Employment Development Company: each rate is the least SBA shows.
Bay Area Employment Development Company: what a study should test
Bay Area Employment Development Company lists 57 loans in the Dental office class. Bay Area Employment Development Company study must prove chair capacity. 57 Dental office loans do not settle patient base. Bay Area Employment Development Company study also needs equipment cost. Bay Area Employment Development Company: 24 loans in the Hotel and motel class. Bay Area Employment Development Company study needs room supply nearby. Bay Area Employment Development Company: renovation reserves remains open across 24 Hotel and motel loans. Bay Area Employment Development Company total of $782.0 million says nothing about any one site. 433 Bay Area Employment Development Company loans fit no tracked class. Bay Area Employment Development Company: the project must carry the case. 714 504 loans at Bay Area Employment Development Company: show first-lien debt and equity. Bay Area Employment Development Company: ask directly what it needs to see. 714 loans at Bay Area Employment Development Company do not measure demand at one site. Bay Area Employment Development Company totals trail supply near the site. Bay Area Employment Development Company study: written support behind each revenue figure. Bay Area Employment Development Company request: build cost quoted, not assumed. Bay Area Employment Development Company request: coverage holds on cautious revenue. Bay Area Employment Development Company history cannot stand in for an appraisal. Bay Area Employment Development Company study needs a downside case in writing. Bay Area Employment Development Company: assumptions stated, coverage tested, value supported. Bay Area Employment Development Company lists 714 loans and $782.0 million in gross approvals. Bay Area Employment Development Company loan equity should be stated plainly.
Bay Area Employment Development Company cancellation floors stop at FY2024 approvals. Bay Area Employment Development Company totals take in FY2025 and FY2026 approvals. Bay Area Employment Development Company figures describe loans held, not lender practices. 714 loans cannot predict one new request to Bay Area Employment Development Company. For Bay Area Employment Development Company, a withheld value is never a zero.
SBA loans held by Bay Area Employment Development Company
SBA guarantees these loans; the lender does not. The lender's name and every figure come from the U.S. Small Business Administration's public 7(a) and 504 FOIA file (data.sba.gov).
7(a) lender is the bank or lender the loan is currently assigned to (or last held it), as SBA records it; 504 lender is the Certified Development Company (CDC). 504 third-party (first-lien) lenders are free text with no identifier and are not credited.
| Loans approved, FY2017 to FY2026 | 714 |
|---|---|
| Gross dollars approved | $782.0 million |
| SBA 7(a) loans | 0 |
| SBA 504 loans | 714 |
Cancellation and charge-off
| Cancelled after approval, FY2017 to FY2024 approvals (a floor) | 9.4% |
|---|---|
| The same, counting loans still undisbursed as cancelled (a ceiling) | 12.6% |
| 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.
Loans by asset class
| Asset class | Loans |
|---|---|
| Not in any of the 39 asset classes | 433 |
| Dental office | 57 |
| Hotel and motel | 24 |
| Full-service restaurant | 23 |
| Child care center | 23 |
| Automotive mechanical repair (car and truck) | 22 |
| Limited-service restaurant | 19 |
| Gas station and truck stop | 16 |
| Car wash | 16 |
| Medical office (physicians) | 15 |
| Assisted living (without nursing care) | 10 |
| Grocery store | 9 |
| Beverage manufacturing (breweries, wineries, distilleries) | 7 |
| Fitness center | 6 |
| Self storage | 5 |
| Rehabilitation and therapy clinic | 5 |
| Coffee shop and snack bar | 5 |
Classes with 5 or more loans; smaller ones are withheld, and more where a small one could be derived.
The state breakdown is withheld, so that no group of fewer than 5 loans can be derived.
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; Loan Analytics lender cell LP-cdc-0188091.
Related feasibility study pages
- SBA Lender Feasibility Study Data
- SBA feasibility study company
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