SBA lending record

MOCHINATICS CORP

964 MERCED RIVER RD, Chula Vista, CA 91913 · Baked Goods Retailers. The complete public SBA 7(a) record for this business — every loan, every field, the lender, and the map.

$214K

Total SBA financing

Loans on record

FY2022–24

On record

Jobs supported

● business — business location is the ZIP-area centroid from the public record

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All 3 loans

$48,400 — FY2024

Loan 1 of 3

Gross approval: $48,400
SBA guaranteed: $41,140 (85%)
Status: Charged off (failed)
Rate at approval: 11.25% v
Term: 109 mo (9 yr)
Program: Preferred Lenders Program
Subprogram: Guaranty
Loan type: Term loan
Purpose: Other / working capital
Approved: 11/18/2023
First disbursement: 11/28/2023
Days to fund: 10 days
Charged off: 4/16/2025
Charge-off amount: $47,367
Collateral: None
Sold on secondary market: Yes
Jobs supported: 22
Business type: Corporation
Business age: Existing or more than 2 years old
Industry: Baked Goods Retailers
NAICS code: 445291
Lender: Northeast Bank
Address: 964 MERCED RIVER RD
City: Chula Vista, 91913
County: San Diego
SBA district office: SAN DIEGO DISTRICT OFFICE
Congressional district: 53

$136,000 — FY2023

Loan 2 of 3

Gross approval: $136,000
SBA guaranteed: $115,600 (85%)
Status: Cancelled
Rate at approval: 10.75% v
Term: 120 mo (10 yr)
Program: Preferred Lenders Program
Subprogram: Guaranty
Loan type: Term loan
Purpose: Other / working capital
Approved: 3/15/2023
Collateral: Required
Jobs supported: 40
Business type: Corporation
Business age: Existing or more than 2 years old
Industry: Retail Bakeries
NAICS code: 311811
Lender: Newtek Small Business Finance, Inc.
Address: 2015 BIRCH RD
City: Chula Vista, 91915
County: San Diego
SBA district office: SAN DIEGO DISTRICT OFFICE
Congressional district: 51

$30,000 — FY2022

Loan 3 of 3

Gross approval: $30,000
SBA guaranteed: $15,000 (50%)
Status: Cancelled
Rate at approval: 5.74% f
Term: 39 mo (3 yr)
Program: SBA Express Program
Subprogram: FA$TRK (Small Loan Express)
Loan type: Term loan
Purpose: Other / working capital
Approved: 4/19/2022
Collateral: Required
Jobs supported: 15
Business type: Corporation
Business age: New Business or 2 years or less
Industry: Baked Goods Retailers
NAICS code: 445291
Lender: U.S. Bank, National Association
Address: 964 MERCED RIVER RD
City: Chula Vista, 91913
County: San Diego
SBA district office: SAN DIEGO DISTRICT OFFICE
Congressional district: 53

The lenders

U.S. Bank, National Association

1 loan to this businessFull SBA lending record + branches on the lender page →

Newtek Small Business Finance, Inc.

1 loan to this business

Northeast Bank

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 baked goods retailers — by location, industry.

SBA lenders in California Lenders for baked goods retailers Baked Goods Retailers lenders in California

Similar businesses

Comparable baked goods retailers in the public SBA 7(a) record — matched on industry, then location and deal size. Public records, not for-sale listings.

Desserts by Clement LLC

San Diego, CA· ~19 mi

Baked Goods Retailers

$195K
SBA financing: ≈ $382K–$636K
Est. revenue (rough)

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Bonjour Patisserie LLC

San Diego, CA· ~12 mi

Baked Goods Retailers

$607K
SBA financing: ≈ $1.2M–$2.0M
Est. revenue (rough)

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Batch and Box San Diego LLC

San Diego, CA· ~27 mi

Baked Goods Retailers

$400K
SBA financing: ≈ $784K–$1.3M
Est. revenue (rough)

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NUTMEG BAKERY & CAFE 1

Poway, CA· ~29 mi

Baked Goods Retailers

$580K
SBA financing: ≈ $1.1M–$1.9M
Est. revenue (rough)

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RELIC BAGERI LLC

San Diego, CA· ~11 mi

Baked Goods Retailers

$35K
SBA financing: ≈ $69K–$114K
Est. revenue (rough)

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Giselles Vegan Kitchen LLC

Laguna Hills, CA· ~81 mi

Baked Goods Retailers

$250K
SBA financing: ≈ $490K–$817K
Est. revenue (rough)

View record

Agent summary

This page summarizes the public SBA 7(a) lending record for MOCHINATICS CORP in Chula Vista, CA (Baked Goods Retailers). 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.

3 SBA 7(a) loans totaling $214K
On record FY2022–24
77 jobs supported
Industry: Baked Goods Retailers
Location: Chula Vista, CA
Lenders: U.S. Bank, National Association, Newtek Small Business Finance, Inc., Northeast Bank

Buyers researching a deal like this usually check lender fit next: see the SBA lenders most active with Baked Goods Retailers businesses in CA for ~$71k deals, then pre-qualify for 7(a) financing before making an offer. CapBench can arrange a lender introduction — free for buyers.

Next steps

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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.
Canonical:: https://www.capbench.com/businesses/mochinatics-corp-ca
API:: https://www.capbench.com/api/public/businesses/mochinatics-corp-ca
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 MOCHINATICS CORP.