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.
SBA 504 CDC record
Bay Area Employment Development Company: SBA 504 projects as the CDC
Bay Area Employment Development Company, based in Concord, CA, is named in the SBA file as the Certified Development Company on 129 SBA 504 projects with an approval in the 36 months ending September 30, 2026, leaving out approvals the file marks cancelled or not funded. The first liens on those projects, made by other lenders, total $161M. Most of the projects were in California.
- Evidence
- SBA 504 projects that name it as the CDC, 36 months ending September 30, 2026, SBA
- Data as of
- SBA, September 30, 2026
- Page last changed
- November 12, 2026
- Projects as the CDC, 36 months
- 129
- SBA FOIA,
- Cancelled and not funded approvals left out
- First-lien dollars
- $161M
- SBA FOIA,
- Lent by the first-lien lenders, not by the CDC
- SBA debenture dollars
- $183M
- SBA FOIA,
- On its approvals net of cancelled, funded or not
- Typical first lien
- $860K
- SBA FOIA,
- Last 12 months
- 59
- SBA FOIA,
Cite this
Source: The Lender Report, Bay Area Employment Development Company: SBA 504 projects as the CDC, https://lender.report/lender/bay-area-employment-development-ca/sba-504-cdc/, data as of September 30, 2026.
The projects, newest first
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, Landscaping Services | $550K | 25 yr | SBA FOIA | ||
| May 2026 | California | SBA 504, Residential Remodelers | $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 | ||
| 129 SBA 504 projects in the 36 months ending September 30, 2026 | $161M | First-lien dollars, SBA FOIA | |||||
A blank means the source did not report it.
| State | Projects | First-lien dollars |
|---|---|---|
| California | 129 | $161M |
SBA loans are on record by state only. The dollars are the first liens other lenders made on these projects.
| First-lien size | Projects | First-lien dollars |
|---|---|---|
| Under $150K | 0 | $0 |
| $150K to $350K | 7 | $1.75M |
| $350K to $1M | 68 | $42.7M |
| $1M to $2.5M | 43 | $64.1M |
| $2.5M or more | 11 | $52.5M |
| Quarter | Projects | First-lien dollars |
|---|---|---|
| 2023 Q4 | 12 | $13.3M |
| 2024 Q1 | 8 | $7.65M |
| 2024 Q2 | 13 | $26.0M |
| 2024 Q3 | 11 | $12.1M |
| 2024 Q4 | 14 | $23.2M |
| 2025 Q1 | 10 | $15.2M |
| 2025 Q2 | 13 | $20.7M |
| 2025 Q3 | 13 | $9.32M |
| 2025 Q4 | 11 | $9.62M |
| 2026 Q1 | 13 | $14.8M |
| 2026 Q2 | 10 | $7.55M |
| 2026 Q3 | 1 | $1.70M |
Calendar quarters of the SBA approval date. The first and last may cover part of a quarter: the window is the 36 months ending September 30, 2026.
| Industry (NAICS) | Projects |
|---|---|
| General Automotive Repair (811111) | 7 |
| Hotels (except Casino Hotels) and Motels (721110) | 7 |
| Full-Service Restaurants (722511) | 6 |
| All Other Professional, Scientific, and Technical Services (541990) | 4 |
| Offices of Lawyers (541110) | 4 |
| All Other Specialty Trade Contractors (238990) | 3 |
| Bed-and-Breakfast Inns (721191) | 3 |
| Landscaping Services (561730) | 3 |
| Limited-Service Restaurants (722513) | 3 |
| Manufacturing | 3 |
| Offices of Dentists (621210) | 3 |
| Offices of Physicians (except Mental Health Specialists) (621111) | 3 |
A 6-digit code is printed only where the SBA file holds 5 or more loans of the program in that state; the rest show as their 2-digit sector.
| Processing method | Projects |
|---|---|
| Accredited Lenders Program | 80 |
| ALP Express | 35 |
| 504 Refinancing Program | 13 |
| ALP Express Debt Refi | 1 |
| First-lien lender | Projects | First-lien dollars |
|---|---|---|
| Redwood Credit Union | 23 | $25.8M |
| JPMorgan Chase Bank, National Association | 16 | $16.7M |
| Citizens Business Bank, National Association | 12 | $12.6M |
| Harvest Commercial Capital, LLC | 7 | $6.26M |
| Velocity Commercial Capital LLC | 5 | $8.70M |
| Enterprise Bank & Trust | 5 | $4.93M |
| Bank of America, National Association | 5 | $4.67M |
| Pinnacle Bank, Gilroy, CA | 5 | $3.70M |
| Wells Fargo Bank, National Association | 4 | $11.0M |
| Tri Counties Bank | 4 | $6.00M |
| Bank of Marin | 4 | $2.45M |
| Poppy Bank | 3 | $12.8M |
The 12 first-lien lenders with the most projects, of 35 on record here.
| Measure | Figure |
|---|---|
| Approvals that name it as the CDC, net of cancelled approvals | 171 |
| Of those, funded by September 30, 2026: the projects on this page | 129 |
| Of those, not funded by September 30, 2026 | 42 |
| SBA debenture dollars on the approvals net of cancelled, funded or not | $183M |
The debenture is the part of a 504 project that comes through the CDC. The lender record carries its dollars for the approvals as a whole, not project by project.
- The SBA file names Bay Area Employment Development Company as the Certified Development Company on 129 SBA 504 projects with an approval in the 36 months ending September 30, 2026, in 1 state. Approvals the file marks cancelled or not funded are left out. SBA FOIA,
- The first liens on those projects, made by other lenders, total $161M. That is the first-lien lenders' money, not Bay Area Employment Development Company's own lending. SBA FOIA,
- The part of a 504 project that comes through the CDC is the SBA debenture. The SBA file shows $183.2M in debentures on 171 approvals that name Bay Area Employment Development Company in the same 36 months, net of cancelled approvals; 42 of those were not funded by September 30, 2026 and are not among the projects here. SBA FOIA,
- 59 of the projects carry an approval date in the 12 months to September 30, 2026, and 63 in the 12 months before, counting approvals not yet funded in both periods. SBA FOIA,
- The typical first lien was about $860K, with the middle half between $550K and $1.4M. SBA FOIA,
- The largest first lien was about $11M. Every amount is rounded to 2 significant figures. SBA FOIA,
- The median term of the first liens was 25 years. SBA FOIA,
- The first liens came from 35 lenders with a record here, most often Redwood Credit Union (23). SBA FOIA,
- The projects were most often for General Automotive Repair (7). SBA FOIA,
- The SBA file lists 80 of the projects as processed under Accredited Lenders Program. SBA FOIA,
- The projects were most often in California (129). SBA FOIA,
What we don't know
- Whether Bay Area Employment Development Company is taking new SBA 504 projects today, or how it would treat a business like yours.
- The debenture on each project. The rows here carry the first-lien amount; debenture dollars are on record for the lender as a whole.
- Projects with a cancelled approval, and approvals not funded yet. They are left out of the projects here.
- The borrower, the address and every term beyond the term of the first lien. The public file does not show them.
SBA loans are on record by state only. Amounts are rounded to 2 significant figures and dates to the month. A 6-digit industry code is printed only where the SBA file holds 5 or more loans of the program in that state.
Every project here is an SBA 504 approval that names Bay Area Employment Development Company as the Certified Development Company. Dollars in the list and the tables are first-lien amounts, lent by the first-lien lender on each project.
SBA does not require you to use an agent or broker for a loan application. SBA has not reviewed or endorsed this site.
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
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.