Main Street Registry

Valley Foods Supermarket

Atwater, CA · Supermarkets and Other Grocery Retailers (except Convenience Retailers) · NAICS 445110

Valley Foods Supermarket, located in Atwater, CA, operates in the supermarkets and other grocery retailers industry. The company financed real estate or equipment through an SBA 504 loan of $1,314,000, with an approval date of January 31, 2025, through First-Citizens Bank & Trust Company and Business Finance Capital as the CDC.

SBA 504 loan, approved Jan 31, 2025

$1,314,000 SBA portionCDC: Business Finance Capital25 years termStatus not reported (SBA exemption)Loan details
SBA (CDC) portion
$1,314,000
Bank portion
$1,460,000
Estimated project size
$3,082,222 (estimated)
Estimated owner equity
$308,222 (estimated, about 10% of the project)
Bank lender
First-Citizens Bank & Trust Company, Raleigh, NC
CDC
Business Finance Capital
Processing method
504 Refinancing: refinances existing business debt
Term
25 years (300 months)
Estimated maturity
January 31, 2050 (estimated, approval date plus term)
First disbursement
Jul 16, 2025
Loan status
Status not reported (SBA exemption)
Jobs supported
3
Business type
Corporation
NAICS
445110, Supermarkets and Other Grocery Retailers (except Convenience Retailers)
Project location
Merced County, CA
SBA district office
Fresno District Office
Congressional district
CA-16
Collateral
Yes

Estimated share of project by source

Bank 47% SBA (CDC) 43% Owner 10%

  • Larger than 22% of expansion loans in Supermarkets and Other Grocery Retailers (except Convenience Retailers) on this site.
  • Average expansion loan in Supermarkets and Other Grocery Retailers (except Convenience Retailers): $2,388,397.
  • 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