Main Street Registry

J Stone & Cabinet

Bakersfield, CA · Lumber, Plywood, Millwork, and Wood Panel Merchant Wholesalers · NAICS 423310

J Stone & Cabinet is a lumber, plywood, millwork, and wood panel merchant wholesaler located in Bakersfield, California. The business financed real estate or equipment through an SBA 504 loan of $4,007,000, with Celtic Bank Corporation as the lender and Cen Cal Business Finance Group as the certified development company, with approval dated August 17, 2026.

SBA 504 loan, approved Aug 17, 2026

$4,007,000 SBA portionCDC: Cen Cal Business Finance Group25 years termApproved, not yet fundedLoan details
SBA (CDC) portion
$4,007,000
Bank portion
$4,875,000
Estimated project size
$9,868,889 (estimated)
Estimated owner equity
$986,889 (estimated, about 10% of the project)
Bank lender
Celtic Bank Corporation, Salt Lake City, UT
CDC
Cen Cal Business Finance Group
Processing method
504 Basic: standard SBA processing through a CDC
Term
25 years (300 months)
Estimated maturity
August 17, 2051 (estimated, approval date plus term)
Loan status
Approved, not yet funded
Jobs supported
4
Business type
Corporation
NAICS
423310, Lumber, Plywood, Millwork, and Wood Panel Merchant Wholesalers
Project location
Kern County, CA
SBA district office
Fresno District Office
Congressional district
CA-21
Collateral
Yes

Estimated share of project by source

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

  • Larger than 77% of expansion loans in Lumber, Plywood, Millwork, and Wood Panel Merchant Wholesalers on this site.
  • Average expansion loan in Lumber, Plywood, Millwork, and Wood Panel Merchant Wholesalers: $2,675,615.
  • 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