Lenders › Capital Access Group, Inc.
504 CDCSan Francisco, Californiacertified development company25th of 182 by approvals
Capital Access Group, Inc.
SBA 504 loan approvals by fiscal year, where they went, how large they were, and how loans from earlier years turned out.
SBA approvals by fiscal year. The federal fiscal year runs 1 October to 30 September, so FY2025 is 1 October 2024 to 30 September 2025. *FY2026 is open: approvals to 30 Jun 2026 only.
Capital Access Group, Inc., based in San Francisco, California, is a certified development company (CDC) that makes SBA 504 loans. SBA approved 369 of its 504 loans worth $398M in FY2021 to FY2025, which places it 25th of 182 active CDCs by number of approvals.
In FY2025, the latest complete fiscal year, it had 55 approvals totalling $57.0M, down 19% on FY2024 (68). FY2026 to 30 Jun 2026 adds 46 more.
The median approval was $806K, against $657K for the 504 program as a whole; 0.5% of its approvals were for $150,000 or less (program: 4.6%).
Its loans went to businesses in 4 states and territories and 34 counties, led by California (98.9%), Illinois (0.5%) and New Jersey (0.3%). The largest industry group was health care and social assistance at 16.8% of approvals, and 5.7% of approvals were to franchise businesses.
Of 889 disbursed loans approved in FY2010 to FY2021, SBA records 4 as charged off (0.4%), 444 as paid in full and 441 still outstanding; the 504 program figure for the same approval years is 1.2%, so the rate here is below it.
Loan status is as recorded by SBA at the data date; charge-off rates are computed on loans approved at least five fiscal years ago. Jobs supported are self-reported estimates from the SBA loan application, which SBA does not review, audit or validate. Loans appear under the lender they are assigned to today, so a lender's figures include loans it took over. Data through 30 Jun 2026.
Approvals by fiscal year
| Fiscal year | Approvals | Dollars approved | Median approval | Average approval | Jobs supported, as reported |
|---|---|---|---|---|---|
| FY2026* | 46 | $44.7M | $695K | $971K | 734 |
| FY2025 | 55 | $57.0M | $873K | $1.0M | 700 |
| FY2024 | 68 | $76.3M | $889K | $1.1M | 981 |
| FY2023 | 62 | $64.6M | $874K | $1.0M | 1,177 |
| FY2022 | 96 | $108M | $656K | $1.1M | 1,023 |
| FY2021 | 88 | $91.3M | $840K | $1.0M | 527 |
| FY2020 | 93 | $82.3M | $619K | $885K | 569 |
| FY2019 | 71 | $62.1M | $577K | $875K | 388 |
| FY2018 | 61 | $67.1M | $894K | $1.1M | 719 |
| FY2017 | 71 | $75.5M | $686K | $1.1M | 792 |
| FY2016 | 74 | $80.9M | $751K | $1.1M | 997 |
Approvals are counted in the year SBA approved them and include approvals later cancelled. In the five fiscal years before the current window (FY2016–FY2020) the lender had 370 approvals. First approval on file: FY2010.
How earlier loans turned out
Only loans approved at least five fiscal years ago (FY2010–FY2021) are counted, because newer loans have had little time to be paid in full or charged off. "Charged off" is SBA's status for a loan on which it has written off the remaining balance.
| Loans approved FY2010–FY2021 | This lender | California | 504 program |
|---|---|---|---|
| Approvals in these years | 1,006 | 16,149 | 85,591 |
| Cancelled or never disbursed | 117 | 1,904 | 12,514 |
| Disbursed loans | 889 | 14,245 | 73,077 |
| Paid in full | 444 | 7,213 | 35,491 |
| Charged off | 4 | 54 | 905 |
| Still outstanding (status exempt from disclosure) | 441 | 6,978 | 36,681 |
| Charged off, share of disbursed loans | 0.4% | 0.4% | 1.2% |
| Dollars charged off, share of disbursed dollars | 0.6% | 0.3% | 0.9% |
| Dollars charged off | $4.6M | $38.6M | $499M |
By approval year
| Approved in | Disbursed | Paid in full | Charged off | Charged off, share | 504 program, same year |
|---|---|---|---|---|---|
| FY2021 | 82 | 2 | 1 | 1.2% | 0.1% |
| FY2020 | 81 | 8 | 1 | 1.2% | 0.1% |
| FY2019 | 64 | 10 | 0 | 0.0% | 0.3% |
| FY2018 | 51 | 23 | 0 | 0.0% | 0.4% |
| FY2017 | 61 | 28 | 0 | 0.0% | 0.8% |
| FY2016 | 61 | 29 | 0 | 0.0% | 1.0% |
| FY2015 | 63 | 38 | 0 | 0.0% | 1.2% |
| FY2014 | 61 | 38 | 0 | 0.0% | 1.3% |
| FY2013 | 95 | 66 | 0 | 0.0% | 1.4% |
| FY2012 | 108 | 80 | 0 | 0.0% | 2.0% |
| FY2011 | 88 | 65 | 1 | 1.1% | 2.1% |
| FY2010 | 74 | 57 | 1 | 1.4% | 3.4% |
A share is shown only where at least 30 loans from that year were disbursed.
Against the 504 program
| FY2021–FY2025 | This lender | 504 program |
|---|---|---|
| Median approval | $806K | $657K |
| Average approval | $1.1M | $1.0M |
| Approvals of $150,000 or less | 0.5% | 4.6% |
| Approvals to startups and businesses 2 years old or less | 7.3% | 14.4% |
| Approvals to franchise businesses | 5.7% | 9.0% |
| Jobs supported per approval, as reported | 11.9 | 10.1 |
| Charged off, loans approved FY2010–FY2021 | 0.4% | 1.2% |
States served
| # | State of the business (4 in all) | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | California | 365 | $392M | 98.9% | |
| 2 | Illinois | 2 | — | 0.5% | |
| 3 | New Jersey | 1 | — | 0.3% | |
| 4 | Arizona | 1 | — | 0.3% |
In California the lender accounts for 5.1% of all 504 approvals in FY2021–FY2025.
Counties served
| # | County of the business (34 in all) | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Sonoma County, CA | 78 | $48.5M | 21.1% | |
| 2 | Santa Clara County, CA | 69 | $97.1M | 18.7% | |
| 3 | Alameda County, CA | 43 | $57.5M | 11.7% | |
| 4 | San Francisco County, CA | 38 | $49.5M | 10.3% | |
| 5 | San Mateo County, CA | 26 | $33.7M | 7.0% | |
| 6 | Marin County, CA | 15 | $12.7M | 4.1% | |
| 7 | Contra Costa County, CA | 14 | $12.2M | 3.8% | |
| 8 | Solano County, CA | 9 | $8.0M | 2.4% | |
| 9 | Mendocino County, CA | 8 | $4.9M | 2.2% | |
| 10 | Sacramento County, CA | 8 | $4.7M | 2.2% | |
| 11 | Santa Cruz County, CA | 7 | $8.6M | 1.9% | |
| 12 | San Diego County, CA | 7 | $4.2M | 1.9% |
Industry mix
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Health Care and Social Assistance | 62 | 16.8% | |
| 2 | Construction | 49 | 13.3% | |
| 3 | Retail Trade | 44 | 11.9% | |
| 4 | Professional, Scientific, and Technical Services | 40 | 10.8% | |
| 5 | Accommodation and Food Services | 33 | 8.9% | |
| 6 | Manufacturing | 31 | 8.4% | |
| 7 | Other Services (except Public Administration) | 29 | 7.9% | |
| 8 | Wholesale Trade | 15 | 4.1% |
| # | Industry group | Approvals | Share | |
|---|---|---|---|---|
| 1 | Offices of DentistsNAICS 6212 | 16 | 4.3% | |
| 2 | Restaurants and Other Eating PlacesNAICS 7225 | 15 | 4.1% | |
| 3 | Traveler AccommodationNAICS 7211 | 13 | 3.5% | |
| 4 | Architectural, Engineering, and Related ServicesNAICS 5413 | 12 | 3.3% | |
| 5 | Automotive Repair and MaintenanceNAICS 8111 | 12 | 3.3% | |
| 6 | Other Specialty Trade ContractorsNAICS 2389 | 12 | 3.3% | |
| 7 | Child Day Care ServicesNAICS 6244 | 11 | 3.0% | |
| 8 | Grocery StoresNAICS 4451 | 11 | 3.0% | |
| 9 | Offices of PhysiciansNAICS 6211 | 10 | 2.7% | |
| 10 | Offices of Other Health PractitionersNAICS 6213 | 10 | 2.7% |
Approval sizes
- $50,001 to $150,0000.5%2
- $150,001 to $350,00017.3%64
- $350,001 to $1 million42.3%156
- $1 million to $2 million27.1%100
- Over $2 million12.7%47
Loan terms
- Over 5 to 10 years1.4%5
- Over 10 to 20 years5.7%21
- Over 20 years93.0%343
Age of the businesses
- Existing, more than 2 years old91.6%338
- New business, 2 years or less0.8%3
- Startup, loan funds will open the business6.5%24
- Change of ownership1.1%4
SBA processing method
| # | Method | Approvals | Share | |
|---|---|---|---|---|
| 1 | Accredited Lenders Program | 316 | 85.6% | |
| 2 | 504 Refinancing Program | 29 | 7.9% | |
| 3 | Premier Certified Lenders Program | 13 | 3.5% | |
| 4 | ALP Express | 8 | 2.2% | |
| 5 | 504 Basic | 3 | 0.8% |
Franchise share
21 of 369 approvals in FY2021–FY2025 (5.7%) carried an SBA franchise code; across the 504 program the share is 9.0%.
| # | Franchise brand | Approvals | Share | |
|---|---|---|---|---|
| 1 | Motel 6 | 2 | 0.5% | |
| 2 | Home 2 Suites by Hilton | 1 | 0.3% | |
| 3 | Hampton Inn & Suites by Hilton | 1 | 0.3% | |
| 4 | Extended Stay America Suites | 1 | 0.3% | |
| 5 | NorthStar Moving | 1 | 0.3% | |
| 6 | Carpet One | 1 | 0.3% | |
| 7 | Holiday Inn Express | 1 | 0.3% | |
| 8 | Safari Kid | 1 | 0.3% |
Third-party lenders in its 504 projects
A 504 project pairs the CDC's loan with a larger loan from a bank or other lender. Banks and credit unions named on five or more of this CDC's projects in FY2021–FY2025:
| # | Third-party lender | Projects | Share | |
|---|---|---|---|---|
| 1 | Wells Fargo Bank National Association | 63 | 17.1% | |
| 2 | Bank of America, National Association | 34 | 9.2% | |
| 3 | JPMorgan Chase Bank, National Association | 21 | 5.7% | |
| 4 | Citizens Business Bank National Association | 14 | 3.8% | |
| 5 | Exchange Bank | 14 | 3.8% | |
| 6 | First-Citizens Bank & Trust Company | 13 | 3.5% | |
| 7 | West Coast Community Bank | 12 | 3.3% | |
| 8 | U.S. Bank, National Association | 11 | 3.0% | |
| 9 | BMO Bank National Association | 11 | 3.0% | |
| 10 | CalPrivate Bank | 11 | 3.0% |
Questions and answers
How many SBA loans does Capital Access Group, Inc. make?
SBA approved 55 504 loans through Capital Access Group, Inc. in FY2025, worth $57.0M, and 369 over FY2021 to FY2025. That ranks 25th of 182 active CDCs by number of approvals.
How large are Capital Access Group, Inc.'s typical SBA loans?
The median 504 approval in FY2021 to FY2025 was $806K and the average $1.1M. The program-wide median was $657K.
What is Capital Access Group, Inc.'s charge-off rate?
Of 889 disbursed loans approved in FY2010 to FY2021, SBA records 4 as charged off (0.4%), 444 as paid in full and 441 still outstanding; the 504 program figure for the same approval years is 1.2%, so the rate here is below it. Loans are listed under the lender that holds them today, so the figure includes loans taken over from other lenders. Status is as recorded by SBA on 30 Jun 2026.
Which industries does Capital Access Group, Inc. lend to most?
By number of approvals in FY2021 to FY2025: offices of dentists (16); restaurants and other eating places (15); traveler accommodation (13); architectural, engineering, and related services (12).
Where does Capital Access Group, Inc. make SBA loans?
In 4 states and territories. California 365, Illinois 2, New Jersey 1, Arizona 1. In California it accounts for 5.1% of all 504 approvals.
Is Capital Access Group, Inc.'s SBA lending rising?
Approvals in the three latest complete fiscal years total 185, against 277 in the three before: falling (-33%).
Where does this data come from?
From the Small Business Administration's 7(a) and 504 FOIA loan files, as of 30 Jun 2026. Borrower names and addresses in those files are discarded when the files are read and appear nowhere on this site.
About these figures
Figures are totals of the Small Business Administration's 7(a) and 504 FOIA loan files, data through 30 Jun 2026. SBA updates the files quarterly. Counts are loan approvals, including approvals later cancelled; the five-year window is FY2021–FY2025, the five latest complete fiscal years. Charge-off rates use only loans approved in FY2010–FY2021, at least five fiscal years ago, and count disbursed loans SBA records as charged off. Loans are listed under the lender they are assigned to today. Dollar figures behind fewer than three approvals are not shown, and no borrower is named anywhere on this site.Methodology · Report an error