SBA lending record
Grain Water & Time LLC
5804 COLLEGE AVE, Oakland, CA 94618 · Retail Bakeries. The complete public SBA 7(a) record for this business — every loan, every field, the lender, and the map.
$650K
Total SBA financing
1
Loan on record
FY2021
On record
5
Jobs supported
● business — business location is the ZIP-area centroid from the public record
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The loan
$650,000 — FY2021
- Gross approval
- $650,000
- SBA guaranteed
- $585,000 (90%)
- Status
- Cancelled
- Rate at approval
- 6% v
- Term
- 84 mo (7 yr)
- Program
- Preferred Lenders Program
- Subprogram
- Guaranty
- Loan type
- Term loan
- Purpose
- Other / working capital
- Approved
- 7/30/2021
- Collateral
- Required
- Jobs supported
- 5
- Business type
- Corporation
- Business age
- Existing or more than 2 years old
- Industry
- Retail Bakeries
- NAICS code
- 311811
- Address
- 5804 COLLEGE AVE
- City
- Oakland, 94618
- County
- Alameda
- SBA district office
- SAN FRANCISCO DISTRICT OFFICE
- Congressional district
- 13
The lender
Commercial Bank of California
1 loan to this businessFull SBA lending record + branches on the lender page →Find SBA lenders for businesses like this
The banks most active funding retail bakeries — by location, industry.
Similar businesses
Comparable retail bakeries in the public SBA 7(a) record — matched on industry, then location and deal size. Public records, not for-sale listings.
MISS MOON PB BAKERY INC DBA PARIS BAGUETTE
San Francisco, CA· ~9 mi
Paris Baguette
- $459K
- SBA financing
- ≈ $900K–$1.5M
- Est. revenue (rough)
Breadbelly B12, Inc
San Francisco, CA· ~10 mi
Retail Bakeries
- $350K
- SBA financing
- ≈ $686K–$1.1M
- Est. revenue (rough)
Fishman Family Trust, dated August 27, 2009
San Francisco, CA· ~11 mi
Retail Bakeries
- $378K
- SBA financing
- ≈ $741K–$1.2M
- Est. revenue (rough)
Lualemaga LLC
Union City, CA· ~20 mi
Crumbl
- $643K
- SBA financing
- ≈ $1.3M–$2.1M
- Est. revenue (rough)
Tous Les Jours
San Ramon, CA· ~16 mi
Tous Les Jours
- $1.2M
- SBA financing
- ≈ $2.4M–$4.0M
- Est. revenue (rough)
Chudo Pechka
Oakland, CA· ~1 mi
Retail Bakeries
- $1.8M
- SBA financing
- ≈ $3.6M–$6.0M
- Est. revenue (rough)
Agent summary
This page summarizes the public SBA 7(a) lending record for Grain Water & Time LLC in Oakland, CA (Retail Bakeries). CapBench compiles public SBA loan data, lender activity, and business signals to help buyers and advisors evaluate acquisition financing — it does not list this business for sale.
- 1 SBA 7(a) loan totaling $650K
- On record FY2021
- 5 jobs supported
- Industry: Retail Bakeries
- Location: Oakland, CA
- Lender: Commercial Bank of California
Buyers researching a deal like this usually check lender fit next: see the SBA lenders most active with Retail Bakeries businesses in CA for ~$650k deals, then pre-qualify for 7(a) financing before making an offer. CapBench can arrange a lender introduction — free for buyers.
- Data freshness:
- SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-06-17.
- Sources:
- Public SBA 7(a) loan records; FDIC institution data (BankFind); CapBench lender and franchise enrichment.
- Methodology:
- Sources & methodology
- Informational only — CapBench does not confirm this entity is for sale, eligible for SBA financing, or approved by any lender.
- Figures come from public records and CapBench methodology; verify before relying on them.
- Financing figures are historical loan records, not a current offer or a loan approval. CapBench is not a lender.
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CapBench listing built from public SBA 7(a) lending records. Figures are as reported; verify before relying on them. Not affiliated with Grain Water & Time LLC.