M&L Refrigerated Terminal, Inc.
M&L Refrigerated Terminal, Inc. is a general warehousing and storage business in Stockton, California, classified under NAICS code 493110. The company financed real estate or equipment through an SBA 504 loan of $5,000,000, approved on April 9, 2025, through BAC Community Bank with Bay Area Employment Development Company as the certified development company.
SBA 504 loan, approved Apr 9, 2025
$5,000,000 SBA portionCDC: Bay Area Employment Development Company25 years termStatus not reported (SBA exemption)Loan details
- SBA (CDC) portion
- $5,000,000
- Bank portion
- $5,960,000
- Estimated project size
- $12,177,778 (estimated)
- Estimated owner equity
- $1,217,778 (estimated, about 10% of the project)
- Bank lender
- BAC Community Bank, Stockton, CA
- Processing method
- 504 Refinancing: refinances existing business debt
- Term
- 25 years (300 months)
- Estimated maturity
- April 9, 2050 (estimated, approval date plus term)
- First disbursement
- Jun 11, 2025
- Loan status
- Status not reported (SBA exemption)
- Jobs supported
- 65
- Business type
- Corporation
- NAICS
- 493110, General Warehousing and Storage
- Project location
- San Joaquin County, CA
- SBA district office
- Sacramento District Office
- Congressional district
- CA-9
- Collateral
- Yes
Estimated share of project by source
Bank 49% SBA (CDC) 41% Owner 10%
- Larger than 77% of expansion loans in General Warehousing and Storage on this site.
- Average expansion loan in General Warehousing and Storage: $3,265,773.
- 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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