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SBA 504 record
Pinnacle Bank, Gilroy, CA: SBA 504 first liens made
Pinnacle Bank, Gilroy, CA, a bank based in Gilroy, CA, made 23 SBA 504 first liens in the 36 months ending September 30, 2026, $53.3M in all, net of cancelled approvals. The typical first lien was about $1.3M, and 12 were in the last 12 months. Most were in California.
- Evidence
- SBA 504 loans in the 36 months ending September 30, 2026, SBA
- Data as of
- SBA, September 30, 2026
- Page last changed
- November 12, 2026
- First liens, 36 months
- 23
- SBA FOIA,
- Net of cancelled approvals
- Dollars
- $53.3M
- SBA FOIA,
- Rounded amounts
- Typical loan
- $1.3M
- SBA FOIA,
- Largest loan
- $8.2M
- SBA FOIA,
- Rounded to 2 significant figures
- Last 12 months
- 12
- SBA FOIA,
Cite this
Source: The Lender Report, Pinnacle Bank, Gilroy, CA: SBA 504 first liens made, https://lender.report/lender/pinnacle-bank-ca/sba-504/, data as of September 30, 2026.
The loans, 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 |
|---|---|---|---|---|---|---|---|
| Jun 2026 | California | SBA 504, Machine Shops | $2.7M | 25 yr | SBA FOIA | ||
| Jun 2026 | California | SBA 504, Wholesale Trade | $610K | 25 yr | SBA FOIA | ||
| May 2026 | California | SBA 504, Landscaping Services | $550K | 25 yr | SBA FOIA | ||
| Feb 2026 | California | SBA 504, Offices of All Other Miscellaneous Health Practitioners | $450K | 25 yr | SBA FOIA | ||
| Dec 2025 | California | SBA 504, All Other General Merchandise Retailers | $990K | 25 yr | SBA FOIA | ||
| Nov 2025 | California | SBA 504, Machine Shops | $8.2M | 25 yr | SBA FOIA | ||
| Nov 2025 | California | SBA 504, Finance and Insurance | $1.5M | 25 yr | SBA FOIA | ||
| Sep 2025 | California | SBA 504, Limited-Service Restaurants | $440K | 25 yr | SBA FOIA | ||
| Jun 2025 | Arizona | SBA 504, Other Services (except Public Administration) | $7.5M | 25 yr | SBA FOIA | ||
| Jun 2025 | California | SBA 504, Full-Service Restaurants | $1M | 25 yr | SBA FOIA | ||
| May 2025 | California | SBA 504, General Automotive Repair | $1.1M | 25 yr | SBA FOIA | ||
| Feb 2025 | California | SBA 504, Offices of Physicians (except Mental Health Specialists) | $1.8M | 25 yr | SBA FOIA | ||
| Aug 2024 | California | SBA 504, Other Technical and Trade Schools | $8.1M | 25 yr | SBA FOIA | ||
| Aug 2024 | California | SBA 504, Other Building Equipment Contractors | $1.2M | 25 yr | SBA FOIA | ||
| Jul 2024 | California | SBA 504, Insurance Agencies and Brokerages | $450K | 25 yr | SBA FOIA | ||
| May 2024 | California | SBA 504, Other Building Finishing Contractors | $4.6M | 25 yr | SBA FOIA | ||
| May 2024 | Mississippi | SBA 504, Manufacturing | $2.9M | 25 yr | SBA FOIA | ||
| Apr 2024 | California | SBA 504, Full-Service Restaurants | $1.4M | 25 yr | SBA FOIA | ||
| Apr 2024 | California | SBA 504, Veterinary Services | $450K | 25 yr | SBA FOIA | ||
| Jan 2024 | Arizona | SBA 504, Limited-Service Restaurants | $2.1M | 25 yr | SBA FOIA | ||
| Jan 2024 | California | SBA 504, General Automotive Repair | $1.2M | 25 yr | SBA FOIA | ||
| Dec 2023 | California | SBA 504, Plumbing, Heating, and Air-Conditioning Contractors | $2.8M | 25 yr | SBA FOIA | ||
| Dec 2023 | California | SBA 504, Site Preparation Contractors | $1.3M | 25 yr | SBA FOIA | ||
| 23 SBA 504 first liens since October 2023, net of cancelled | $53.3M | SBA FOIA | |||||
A blank means the source did not report it.
| State | First liens | Dollars |
|---|---|---|
| California | 20 | $40.8M |
| Arizona | 2 | $9.60M |
| Mississippi | 1 | $2.90M |
SBA loans are on record by state only.
| Loan size | First liens | Dollars |
|---|---|---|
| Under $150K | 0 | $0 |
| $150K to $350K | 0 | $0 |
| $350K to $1M | 7 | $3.94M |
| $1M to $2.5M | 9 | $12.6M |
| $2.5M or more | 7 | $36.8M |
| Quarter | First liens | Dollars |
|---|---|---|
| 2023 Q4 | 2 | $4.10M |
| 2024 Q1 | 2 | $3.30M |
| 2024 Q2 | 4 | $9.35M |
| 2024 Q3 | 3 | $9.75M |
| 2025 Q1 | 1 | $1.80M |
| 2025 Q2 | 3 | $9.60M |
| 2025 Q3 | 1 | $440K |
| 2025 Q4 | 3 | $10.7M |
| 2026 Q1 | 1 | $450K |
| 2026 Q2 | 3 | $3.86M |
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) | First liens |
|---|---|
| Full-Service Restaurants (722511) | 2 |
| General Automotive Repair (811111) | 2 |
| Limited-Service Restaurants (722513) | 2 |
| Machine Shops (332710) | 2 |
| All Other General Merchandise Retailers (455219) | 1 |
| Finance and Insurance | 1 |
| Insurance Agencies and Brokerages (524210) | 1 |
| Landscaping Services (561730) | 1 |
| Manufacturing | 1 |
| Offices of All Other Miscellaneous Health Practitioners (621399) | 1 |
| Offices of Physicians (except Mental Health Specialists) (621111) | 1 |
| Other Building Equipment Contractors (238290) | 1 |
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 | Loans |
|---|---|
| Accredited Lenders Program | 14 |
| ALP Express | 3 |
| 504 Basic | 2 |
| 504 Refinancing Program | 2 |
| Premier Certified Lenders Program | 2 |
| Certified Development Company | Projects |
|---|---|
| The Mortgage Capital Development Corporation | 15 |
| Bay Area Employment Development Company | 5 |
| Business Finance Capital | 1 |
| Capital Access Group, Inc. | 1 |
| Three Rivers Local Development Company, Inc. | 1 |
- Pinnacle Bank, Gilroy, CA made 23 SBA 504 first liens totaling $53.3M in the 36 months ending September 30, 2026, net of cancelled approvals, in 3 states. SBA FOIA,
- The SBA file shows 12 approvals naming Pinnacle Bank, Gilroy, CA as first-lien lender dated in the 12 months to September 30, 2026, and 10 in the 12 months before. Both counts leave out cancelled approvals and include approvals not yet funded, so the two periods are measured the same way. SBA FOIA,
- The typical first lien was about $1.3M, with the middle half between $610K and $2.8M. SBA FOIA,
- The largest was about $8.2M. Every amount is rounded to 2 significant figures. SBA FOIA,
- 0 loans were under $150K, and 16 were $1M or more. SBA FOIA,
- The median term was 25 years. SBA FOIA,
- Its loans went most often to Full-Service Restaurants, with 2. SBA FOIA,
- The SBA file lists 14 of its loans as processed under Accredited Lenders Program. SBA FOIA,
- It worked with 5 Certified Development Companies, most often The Mortgage Capital Development Corporation. SBA FOIA,
- Its loans were most often in California (20), Arizona (2) and Mississippi (1). SBA FOIA,
What we don't know
- Whether Pinnacle Bank, Gilroy, CA is taking new SBA 504 loans today, or how it would treat a business like yours.
- Loans that were never completed. The SBA file lists approvals, and this page leaves out the ones it marks cancelled.
- The borrower, the address and every term beyond rate and term. 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.
SBA 504 figures count the first-lien lender on each SBA approval. Dollars are first-lien amounts.
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.