GOOD
How competitive are their spreads? Lower = better for you.
STRONG
Total SBA loans closed. More deals = more experience.
GOOD
How many industries do they lend in? More = flexible.
WEAK
States where they've done deals. Wider = easier if you're out of state.
Total SBA Loans
1,333
2010–2026
Total Volume
$1.3B
Gross loan amounts
States Active
3
With recorded loans
Programs
504
1333 total segments
Bay Area Employment Development focuses almost exclusively on existing businesses, with 87% of their deals supporting established companies. This makes them a strong choice for borrowers looking to expand or refinance existing operations rather than for startups or acquisitions.
With 100% of their deals being 504 loans, Bay Area Employment Development is a specialized lender in this program. This is significantly higher than the national average of about 18%, indicating they are well-versed in handling larger, real estate-focused transactions.
The lender has experienced a 19% year-over-year growth, suggesting a strong demand for their services. This upward trend may indicate they are becoming increasingly competitive in the 504 loan market, making them a potentially reliable partner for your financing needs.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 1,333 504 loans, which use fixed SBA debenture rates.
States where Bay Area Employment Developmen has recorded SBA lending activity.
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Manufacturing
Manufacturing
Physician & Dental Offices
Health Care & Social Assistance
Specialty Trade Contractors
Construction
Wholesale Trade
Wholesale Trade
Restaurants & Food Service
Accommodation & Food Services
Auto Repair & Maintenance
Other Services
Hotels & Accommodation
Accommodation & Food Services
Retail Trade
Retail Trade
+ 7 more
All recorded SBA lending activity for Bay Area Employment Developmen, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| California · Physician & Dental Offices · $500K – $1M | 504 | 41 | — | $711K | Q4 2024 |
| California · Manufacturing · $500K – $1M | 504 | 39 | — | $702K | Q2 2025 |
| California · Wholesale Trade · $500K – $1M | 504 | 37 | — | $732K | Q3 2025 |
| California · Restaurants & Food Service · $500K – $1M | 504 | 35 | — | $733K | Q4 2025 |
| California · Specialty Trade Contractors · $500K – $1M | 504 | 34 | — | $712K | Q4 2025 |
| California · Manufacturing · $1M – $2M | 504 | 32 | — | $1.4M | Q3 2024 |
| California · Specialty Trade Contractors · $150K – $350K | 504 | 31 | — | $238K | Q4 2025 |
| California · Physician & Dental Offices · $150K – $350K | 504 | 28 | — | $256K | Q3 2021 |
| California · Manufacturing · $2M – $5M | 504 | 27 | — | $2.8M | Q2 2025 |
| California · Physician & Dental Offices · $350K – $500K | 504 | 26 | — | $419K | Q2 2025 |
| California · Physician & Dental Offices · $1M – $2M | 504 | 23 | — | $1.3M | Q2 2024 |
| California · Auto Repair & Maintenance · $500K – $1M | 504 | 22 | — | $712K | Q3 2025 |
| California · Specialty Trade Contractors · $1M – $2M | 504 | 21 | — | $1.4M | Q4 2025 |
| California · Specialty Trade Contractors · $350K – $500K | 504 | 20 | — | $430K | Q3 2024 |
| California · Hotels & Accommodation · $2M – $5M | 504 | 20 | — | $3.5M | Q1 2025 |
| California · Restaurants & Food Service · $350K – $500K | 504 | 19 | — | $435K | Q3 2025 |
| California · Auto Repair & Maintenance · $150K – $350K | 504 | 18 | — | $262K | Q4 2023 |
| California · Wholesale Trade · $150K – $350K | 504 | 15 | — | $272K | Q3 2025 |
| California · Wholesale Trade · $1M – $2M | 504 | 14 | — | $1.4M | Q3 2025 |
| California · Retail Trade · $500K – $1M | 504 | 14 | — | $714K | Q3 2025 |
| California · Manufacturing · $150K – $350K | 504 | 14 | — | $273K | Q3 2022 |
| California · Auto Repair & Maintenance · $1M – $2M | 504 | 14 | — | $1.4M | Q3 2025 |
| California · Restaurants & Food Service · $1M – $2M | 504 | 14 | — | $1.4M | Q2 2025 |
| California · Wholesale Trade · $2M – $5M | 504 | 13 | — | $2.8M | Q3 2025 |
| California · Restaurants & Food Service · $150K – $350K | 504 | 13 | — | $253K | Q4 2020 |
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Real experiences from borrowers who closed SBA loans with Bay Area Employment Developmen.
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