Unverified listing What this means
The Lender Report built this page from public records. Bay Area Employment Development Company has not reviewed it. Every lender's page starts this way, and it says nothing about Bay Area Employment Development Company itself. Each figure shows its source and date. Work at Bay Area Employment Development Company? You can claim this page for free.
Certified Development Company, Concord, CA
Bay Area Employment Development Company
A Certified Development Company based in Concord, CA. No public file shows individual loans it has made.
- Kind
- SBA Certified Development Company
- Data as of
- HMDA 2025, SBA September 30, 2026
- Page last changed
- November 12, 2026
Named as the Certified Development Company on SBA 504 projects.
- Multifamily loans made, 2025
- Not reported
- HMDA,
- HMDA, 5 or more units
- Investor loans made, 2025
- Not reported
- HMDA,
- 1-4 units or business purpose
- SBA loans, 36 months
- Not reported
- SBA FOIA,
- 7(a) and 504, net of cancelled
- SBA 504 as CDC
- 171
- SBA FOIA,
- Net of cancelled
Does it fit my deal?
The deal is read here and kept nowhere. Leave out names, income and credit scores.
How to reach them
Each line shows where it came from
- Phone
- 925-926-1020 From the SBA list, retrieved November 9, 2026.
- Website
- www.baydevco.comFrom the SBA list, November 9, 2026.
- Address
- 1855 Gateway Blvd. Suite 720, Concord, CA 95520SBA FOIA,
Recently done
Some recorded lending
Some recorded lending. One public file shows loans this lender made.
| When | What the record shows | Source |
|---|---|---|
| November 9, 2026 | Listed by SBA as a Certified Development Company.Membership in a public list, not lending volume. | SBA lender lists, |
Banks report no loan-level data for office, retail, industrial or construction loans. This list shows only multifamily and SBA loans.
| Period | Place | Loan | Amount | Rate | Term | LTV | Source |
|---|---|---|---|---|---|---|---|
| Jul 2026 | California | SBA 504, Bed-and-Breakfast Inns | $1.7M | 25 yr | SBA FOIA | ||
| Jun 2026 | California | SBA 504, Supermarkets and Other Grocery Retailers (except Convenience Retailers) | $1.5M | 25 yr | SBA FOIA | ||
| Jun 2026 | California | SBA 504, Other Services (except Public Administration) | $1.4M | 25 yr | SBA FOIA | ||
| Jun 2026 | California | SBA 504, Wholesale Trade | $610K | 25 yr | SBA FOIA | ||
| Jun 2026 | California | SBA 504, Retail Trade | $350K | 25 yr | SBA FOIA | ||
| May 2026 | California | SBA 504, Residential Remodelers | $550K | 25 yr | SBA FOIA | ||
| May 2026 | California | SBA 504, Landscaping Services | $550K | 25 yr | SBA FOIA | ||
| Apr 2026 | California | SBA 504, Health Care and Social Assistance | $1.2M | 25 yr | SBA FOIA | ||
| Apr 2026 | California | SBA 504, All Other Professional, Scientific, and Technical Services | $620K | 25 yr | SBA FOIA | ||
| Apr 2026 | California | SBA 504, Offices of All Other Miscellaneous Health Practitioners | $410K | 25 yr | SBA FOIA | ||
| Apr 2026 | California | SBA 504, Computer Systems Design Services | $360K | 25 yr | SBA FOIA | ||
| Mar 2026 | California | SBA 504, Bed-and-Breakfast Inns | $1.7M | 25 yr | SBA FOIA | ||
| Mar 2026 | California | SBA 504, Agriculture, Forestry, Fishing and Hunting | $1.3M | 25 yr | SBA FOIA | ||
| Mar 2026 | California | SBA 504, All Other Specialty Trade Contractors | $710K | 25 yr | SBA FOIA | ||
| Mar 2026 | California | SBA 504, Mortgage and Nonmortgage Loan Brokers | $560K | 25 yr | SBA FOIA | ||
| Mar 2026 | California | SBA 504, Other Technical and Trade Schools | $260K | 25 yr | SBA FOIA | ||
| Feb 2026 | California | SBA 504, Promoters of Performing Arts, Sports, and Similar Events with Facilities | $2.4M | 25 yr | SBA FOIA | ||
| Feb 2026 | California | SBA 504, Retail Trade | $2M | 25 yr | SBA FOIA | ||
| Feb 2026 | California | SBA 504, Sporting Goods Retailers | $1.8M | 25 yr | SBA FOIA | ||
| Feb 2026 | California | SBA 504, Full-Service Restaurants | $1.5M | 25 yr | SBA FOIA | ||
| Jan 2026 | California | SBA 504, Machine Shops | $1M | 25 yr | SBA FOIA | ||
| Jan 2026 | California | SBA 504, Tile and Terrazzo Contractors | $650K | 25 yr | SBA FOIA | ||
| Jan 2026 | California | SBA 504, Full-Service Restaurants | $450K | 25 yr | SBA FOIA | ||
| Jan 2026 | California | SBA 504, Industrial Machinery and Equipment Merchant Wholesalers | $440K | 25 yr | SBA FOIA | ||
| Dec 2025 | California | SBA 504, Offices of Lawyers | $1.6M | 25 yr | SBA FOIA |
A blank means the source did not report it.
What it lends on
HMDA and SBA files
| Kind of loan | Period | Loans made | Dollars | Typical size | Largest | Source |
|---|---|---|---|---|---|---|
| SBA 504 as CDC, net of cancelled | 36 months to Sep 2026 | 171 | $183M | SBA FOIA, |
| Industry | Loans | Dollars |
|---|---|---|
| Hotels (except Casino Hotels) and Motels | 7 | $22.0M |
| General Automotive Repair | 7 | $3.72M |
| Full-Service Restaurants | 6 | $4.11M |
Other lenders in these fields: SBA lenders for hotels and motels, SBA lenders for auto repair shops, SBA lenders for restaurants.
Program lists that name this lender
Membership, not lending volume
- Listed by SBA: List of Certified Development Companies as: SBA Certified Development Company (November 9, 2026). Listed by SBA as a Certified Development Company. States served: AZ, CA.
Being on a list says the lender is a member of that program on the date shown. It does not say how much it lends.
Where it lends
Offices beside loans on record
| State | Offices |
|---|---|
| California HQ | 1 |
Peers
Same kind of lender, similar size and book
What we don't know
- Whether it is taking new loans today, or on what terms.
- Its balance sheet, capital or total lending. Non-banks file no call report, so this page shows only loans that appear in HMDA or SBA files.
- Whether it makes multifamily loans. No HMDA multifamily loans are on file under this name for 2024 or 2025.
- Whether it takes brokers. No figure here means no evidence, not a refusal.
- SBA Certified Development Company, named on SBA 504 projects in the file.
Check this page
Against the regulator's own record
- Name and entity. Bay Area Employment Development Company, Concord, CA. A non-bank has no regulator certificate, so the name comes from the public files that carry it.
- Loans made. 171 recorded loans from SBA files, through September 30, 2026: 171 SBA 504 as the CDC in 36 months. Each has its source and date.
- Phone and website. Phone 925-926-1020. Website baydevco.com, from the FDIC record. [How to reach them]
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For the record
Data as of HMDA 2025, SBA September 30, 2026. Page last changed November 12, 2026.
- The Lender Report ID
- lr_009627
- Served as Certified Development Company on 176 SBA 504 approvals with $187.5M in SBA debentures from October 1, 2023 to September 30, 2026 (SBA).
- Listed by SBA as a Certified Development Company. (SBA list, as of November 9, 2026).
Cite this
Source: The Lender Report, Bay Area Employment Development Company, https://lender.report/lender/bay-area-employment-development-ca/, data as of December 31, 2025.
Sources
Figures come from public records and show the source and date beside them. Public records can be late, incomplete or wrong. A past loan does not mean a lender will make the same kind of loan today. Confirm anything important with the lender.
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Source and date appear beside each figure. Banks report balances, not loans made. Loans made come only from HMDA and SBA files. We do not audit filings and can make errors joining them. Report a problem