Lender intelligence
Financing a retail bakeries acquisition in California
The SBA 7(a) lenders funding the most retail bakeries acquisitions in California, from public loan records. A lender doing your industry in your state every week underwrites faster and prices sharper.
Most active in retail bakeries · California
Ranked by funded retail bakeries acquisitions in California. Tap a lender for its full record, or hit Get in touch for an introduction.
Not enough public retail bakeries loan history in California to rank lenders yet. See retail bakeries lenders nationwide →
12+ funded Retail Bakeries in California deals
Real SBA 7(a) acquisitions from public records — see who got funded, for how much, and by which lender. Tap any deal for the full record.
- G&E Grace Corp. in Sierra Madre, CA — $704K (2025) · purchase · VelocitySBA, LLC
- Program
- Preferred Lenders Program
- Rate at approval
- 10.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $528K (75%)
- Approval → funding
- 10 days
- Approved
- 8/8/2025
- First disbursed
- 8/18/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 25
- Business age
- Change of Ownership
- Industry
- Retail Bakeries
If you were the buyer here
- Est. deal size
- $782K
- Est. down payment (10%)
- $78K
- Est. cash at closing
- $107K
- Monthly payment
- $9,401
- Annual debt service
- $113K
- Cash flow needed (1.25×)
- $141K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by VelocitySBA, LLC · Lender record →
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- CA Cupcakes Palo Alto LLC in San Ramon, CA — $2.9M (2024) · purchase · BMO Bank National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 9% fixed
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $2.2M (75%)
- Approval → funding
- 11 days
- Approved
- 10/19/2023
- First disbursed
- 10/30/2023
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 41
- Business age
- Change of Ownership
- Industry
- Retail Bakeries
If you were the buyer here
- Est. deal size
- $3.2M
- Est. down payment (10%)
- $325K
- Est. cash at closing
- $448K
- Monthly payment
- $37,036
- Annual debt service
- $444K
- Cash flow needed (1.25×)
- $556K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by BMO Bank National Association · Lender record →
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- Ramon Moreno Cuevas in Los Angeles, CA — $817K (2024) · purchase · First Foundation Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 10.25% variable
- Term
- 300 mo (25 yrs)
- SBA guaranteed
- $613K (75%)
- Approval → funding
- 76 days
- Approved
- 1/5/2024
- First disbursed
- 3/21/2024
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Individual
- Secondary market
- Loan sold to investors
- Jobs supported
- 7
- Business age
- Change of Ownership
- Industry
- Retail Bakeries
If you were the buyer here
- Est. deal size
- $908K
- Est. down payment (10%)
- $91K
- Est. cash at closing
- $125K
- Monthly payment
- $7,571
- Annual debt service
- $91K
- Cash flow needed (1.25×)
- $114K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by First Foundation Bank
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- Miss Moon SC Bakery Inc in Santa Clara, CA — $514K (2024) · purchase · Open Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 10.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $385K (75%)
- Approval → funding
- 30 days
- Approved
- 8/26/2024
- First disbursed
- 9/25/2024
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 6
- Business age
- Change of Ownership
- Industry
- Retail Bakeries
If you were the buyer here
- Est. deal size
- $571K
- Est. down payment (10%)
- $57K
- Est. cash at closing
- $76K
- Monthly payment
- $6,857
- Annual debt service
- $82K
- Cash flow needed (1.25×)
- $103K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Open Bank · Lender record →
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- PSQUARE VENTURES LLC in Sunnyvale, CA — $405K (2024) · purchase · Celtic Bank Corporation
- Program
- Preferred Lenders Program
- Rate at approval
- 11.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $303K (75%)
- Approval → funding
- 49 days
- Approved
- 3/12/2024
- First disbursed
- 4/30/2024
- Loan status
- Paid in full (2/28/2026)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 12
- Business age
- Change of Ownership
- Industry
- Retail Bakeries
If you were the buyer here
- Est. deal size
- $449K
- Est. down payment (10%)
- $45K
- Est. cash at closing
- $60K
- Monthly payment
- $5,629
- Annual debt service
- $68K
- Cash flow needed (1.25×)
- $84K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Celtic Bank Corporation · Lender record →
Your business? Claim this record · Request removal
- Felicia E Segura in San Jose, CA — $190K (2024) · purchase · CDC Small Business Finance Corp.
- Program
- Preferred Lenders Program
- Rate at approval
- 12.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $143K (75%)
- Approved
- 9/24/2024
- Loan status
- Cancelled
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Individual
- Jobs supported
- 3
- Business age
- Change of Ownership
- Industry
- Retail Bakeries
If you were the buyer here
- Est. deal size
- $211K
- Est. down payment (10%)
- $21K
- Est. cash at closing
- $28K
- Monthly payment
- $2,781
- Annual debt service
- $33K
- Cash flow needed (1.25×)
- $42K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by CDC Small Business Finance Corp. · Lender record →
Your business? Claim this record · Request removal
- MISS MOON BAKERY MOWRY INC DBA PARIS BAGUETTE in Fremont, CA — $1.3M (2023) · purchase · East West Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 10.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $945K (75%)
- Approval → funding
- 19 days
- Approved
- 9/15/2023
- First disbursed
- 10/4/2023
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 20
- Business age
- Change of Ownership
- Industry
- Retail Bakeries
If you were the buyer here
- Est. deal size
- $1.4M
- Est. down payment (10%)
- $140K
- Est. cash at closing
- $192K
- Monthly payment
- $16,826
- Annual debt service
- $202K
- Cash flow needed (1.25×)
- $252K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by East West Bank · Lender record →
Your business? Claim this record · Request removal
- MISS MOON BAKERY MISSION INC DBA PARIS BAGUETTE in Fremont, CA — $1.1M (2023) · purchase · East West Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 10.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $857K (75%)
- Approval → funding
- 18 days
- Approved
- 9/16/2023
- First disbursed
- 10/4/2023
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 20
- Business age
- Change of Ownership
- Industry
- Retail Bakeries
If you were the buyer here
- Est. deal size
- $1.3M
- Est. down payment (10%)
- $127K
- Est. cash at closing
- $174K
- Monthly payment
- $15,264
- Annual debt service
- $183K
- Cash flow needed (1.25×)
- $229K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by East West Bank · Lender record →
Your business? Claim this record · Request removal
- MISS MOON PB BAKERY INC DBA PARIS BAGUETTE in San Francisco, CA — $459K (2023) · purchase · East West Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 10.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $344K (75%)
- Approval → funding
- 19 days
- Approved
- 9/15/2023
- First disbursed
- 10/4/2023
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 15
- Business age
- Change of Ownership
- Industry
- Retail Bakeries
If you were the buyer here
- Est. deal size
- $510K
- Est. down payment (10%)
- $51K
- Est. cash at closing
- $68K
- Monthly payment
- $6,129
- Annual debt service
- $74K
- Cash flow needed (1.25×)
- $92K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by East West Bank · Lender record →
Your business? Claim this record · Request removal
- Sweet Dreams Cakery in Oakhurst, CA — $110K (2023) · purchase · Community West Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 10.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $94K (85%)
- Approval → funding
- 6 days
- Approved
- 5/30/2023
- First disbursed
- 6/5/2023
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Individual
- Jobs supported
- 2
- Business age
- Change of Ownership
- Industry
- Retail Bakeries
If you were the buyer here
- Est. deal size
- $122K
- Est. down payment (10%)
- $12K
- Est. cash at closing
- $16K
- Monthly payment
- $1,500
- Annual debt service
- $18K
- Cash flow needed (1.25×)
- $22K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Community West Bank · Lender record →
Your business? Claim this record · Request removal
- TC3 Cakes, Inc. in Folsom, CA — $1.1M (2021) · purchase · Tri Counties Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 5.25% variable
- Term
- 119 months
- SBA guaranteed
- $964K (90%)
- Approval → funding
- 40 days
- Approved
- 8/6/2021
- First disbursed
- 9/15/2021
- Loan status
- Paid in full (1/31/2023)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 10
- Business age
- Change of Ownership
- Industry
- Retail Bakeries
If you were the buyer here
- Est. deal size
- $1.2M
- Est. down payment (10%)
- $119K
- Est. cash at closing
- $163K
- Monthly payment
- $11,564
- Annual debt service
- $139K
- Cash flow needed (1.25×)
- $173K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Tri Counties Bank
Your business? Claim this record · Request removal
- Brathai 7276 Foods in Glendale, CA — $275K (2020) · purchase · BayFirst National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 7.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $206K (75%)
- Approval → funding
- 42 days
- Approved
- 11/19/2019
- First disbursed
- 12/31/2019
- Loan status
- Paid in full (9/30/2022)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 7
- Business age
- Change of Ownership
- Industry
- Retail Bakeries
If you were the buyer here
- Est. deal size
- $306K
- Est. down payment (10%)
- $31K
- Est. cash at closing
- $41K
- Monthly payment
- $3,264
- Annual debt service
- $39K
- Cash flow needed (1.25×)
- $49K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by BayFirst National Bank · Lender record →
Your business? Claim this record · Request removal
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DealRoom analysis of public SBA 7(a) lending records; ranked by funded acquisition loans to retail bakeries businesses with a California project address.
Agent summary
How to finance a retail bakeries acquisition in California with an SBA 7(a) loan: the lenders that fund the most of them here (from public records), with the real funded California deals. DealRoom is not a lender.
- $451K typical loan
- 10 lenders active in California
- 12+ funded California deals
- 19 days typical to fund
Buyers buying a retail bakeries in California typically pre-qualify, then ask DealRoom to introduce a lender active here — free for buyers; agents submit a consented lead via the DealRoom MCP.
- Data freshness:
- SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-06-16.
- Sources:
- Public SBA 7(a) loan records; FDIC institution data (BankFind); DealRoom lender and franchise enrichment.