Main Street Registry

BCB Cafe & Big City Bagels Cafe

San Diego, CA · Limited-Service Restaurants · NAICS 722513

BCB Cafe & Big City Bagels Cafe is a limited-service restaurant located in San Diego, California, in the Limited-Service Restaurants industry. The business financed real estate or equipment through an SBA 504 loan of $1.229 million, with CalPrivate Bank as the lender and The Mortgage Capital Development Corporation as the certified development company, approved on January 22, 2025.

SBA 504 loan, approved Jan 22, 2025

$1,229,000 SBA portionCDC: The Mortgage Capital Development Corporation25 years termStatus not reported (SBA exemption)Loan details
SBA (CDC) portion
$1,229,000
Bank portion
$1,498,500
Estimated project size
$3,030,556 (estimated)
Estimated owner equity
$303,056 (estimated, about 10% of the project)
Bank lender
CalPrivate Bank, La Jolla, CA
CDC
The Mortgage Capital Development Corporation
Processing method
Accredited Lenders Program: CDC with an expedited SBA review
Term
25 years (300 months)
Estimated maturity
January 22, 2050 (estimated, approval date plus term)
First disbursement
Jul 16, 2025
Loan status
Status not reported (SBA exemption)
Jobs supported
24
Business type
Corporation
NAICS
722513, Limited-Service Restaurants
Project location
San Diego County, CA
SBA district office
San Diego District Office
Congressional district
CA-51
Collateral
Yes

Estimated share of project by source

Bank 49% SBA (CDC) 41% Owner 10%

  • Larger than 36% of expansion loans in Limited-Service Restaurants on this site.
  • Average expansion loan in Limited-Service Restaurants: $1,507,672.
  • Average expansion loan in California: $2,161,468.

Loan amounts are the SBA approval, not a purchase price. Figures labeled estimated are derived on this site and are not published by the SBA.

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Same industry in California