{"id":27150,"date":"2026-11-02T12:29:10","date_gmt":"2026-11-02T20:29:10","guid":{"rendered":"https:\/\/www.tmcfinancing.com\/?p=27150"},"modified":"2026-11-10T10:14:20","modified_gmt":"2026-11-10T18:14:20","slug":"rancho-gordo-napa-sba-504-loan","status":"publish","type":"post","link":"https:\/\/www.tmcfinancing.com\/es\/rancho-gordo-napa-sba-504-loan\/","title":{"rendered":"What If Beans Arrived on Main Street? Rancho Gordo Puts Down Roots in Napa with SBA 504 Financing"},"content":{"rendered":"
\"Interior
photo by Napa Valley Register<\/figcaption><\/figure>\n

After 25 years of turning heirloom beans into a beloved specialty food brand, founder Steve Sando has brought Rancho Gordo to Main Street in Napa\u2014this time, in a building of its own.<\/em><\/p>\n

Beans Arrive on Main Street<\/strong><\/p>\n

After more than two decades of building Rancho Gordo<\/a>, Steve Sando was ready for the business to have a permanent home of its own.<\/p>\n

\u201cAfter all these years of being this obscure niche product, I thought, what if beans arrive on Main Street, literally and figuratively?\u201d Sando says. \u201cWouldn\u2019t that be the coolest thing?\u201d<\/p>\n

In February 2026, they did.<\/p>\n

https:\/\/www.tmcfinancing.com\/wp-content\/uploads\/2026\/11\/Rancho-Gordo-Video.mp4<\/a><\/video><\/div>\n

Rancho Gordo opened the doors to its new home at 1350 Main Street in downtown Napa, a 4,366-square-foot retail and office space purchased by the company after years of operating from leased locations.<\/p>\n

Built in 1930, the building has a long history in downtown Napa, having housed a butcher shop, general store, hardware store and, more recently, the locally known Shackford\u2019s Kitchen Supply.<\/p>\n

For Sando, bringing Rancho Gordo there felt fitting.<\/p>\n

\u201cI thought it was time,\u201d he says. \u201cI should own a building.\u201d<\/p>\n

From a Backyard Garden to Rancho Gordo<\/strong><\/p>\n

Owning a building on Main Street would have seemed unlikely when Sando began experimenting with gardening around the time he turned 40.<\/p>\n

At the time, he wasn\u2019t planning on becoming an entrepreneur. He was trying to figure out what came next.<\/p>\n

\u201cI remember thinking I was a screw up and that all these different jobs I\u2019d had didn\u2019t work,\u201d Sando recalls. \u201cI thought, you know what, just get a job at Target and get a garden and you\u2019ll be okay.\u201d<\/p>\n

The garden stuck.<\/p>\n

Sando eventually began growing heirloom beans and was captivated not only by their flavor, but by their history and place in the food traditions of the Americas.<\/p>\n

\u201cI grew up with commodity beans, and to eat heirlooms that had these incredible flavors was like, why are we not even eating this food?\u201d he says. \u201cThey\u2019re indigenous to the Americas. It\u2019s our food. It should be our culture.\u201d<\/p>\n

That fascination became Rancho Gordo<\/a>.<\/p>\n

Sando began selling beans at farmers markets throughout Northern California, introducing customers to varieties many had never encountered before. One early interaction gave him confidence that he was onto something.<\/p>\n

\"\" \"\"<\/p>\n

Chef Thomas Keller of The French Laundry stopped at Sando\u2019s farmers market booth and told him, \u201cWhat you\u2019re doing is very important.\u201d<\/p>\n

Sando took the message to heart. While others talked about health trends or marketing angles, he focused on flavor. In the years that followed, Rancho Gordo built a devoted following among chefs, home cooks and food writers who shared that passion.<\/p>\n

\u201cWe\u2019re not an e-commerce company. We\u2019re a bean company,\u201d Sando says.<\/p>\n

That focus has helped create an unusually strong community around the brand. Rancho Gordo\u2019s Bean Club, started in 2013 as a playful take on Napa\u2019s wine clubs, now has more than 32,000 members receiving quarterly shipments, with a waitlist of customers eager to join.<\/p>\n

Finding a Permanent Home<\/strong><\/p>\n

\"\"As Rancho Gordo evolved, Sando began thinking about what he wanted for the company\u2019s future.<\/p>\n

For years, it operated from an industrial warehouse space that served its purpose but didn\u2019t fully reflect what the business had become. Sando wanted a permanent home that connected Rancho Gordo more visibly to the Napa community where it began.<\/p>\n

The Main Street property offered that chance: a central location, room for both retail and office operations, and the freedom that comes with ownership.<\/p>\n

\u201cThere\u2019s a level of security knowing that it\u2019s ours and it won\u2019t be taken away,\u201d Sando says. \u201cWe don\u2019t have a whimsical landlord who could change things.\u201d<\/p>\n

Purchasing the property and preparing the building for Rancho Gordo\u2019s next chapter required a significant investment. The building purchase totaled $1.975 million, with nearly $894,000 in tenant improvements.<\/p>\n

Working with TMC Financing, Evelynn Porter, Yvonne Caro and the team at Poppy Bank, Rancho Gordo used the Programa de pr\u00e9stamos SBA 504<\/a> to finance the project with 10% down and long-term, fixed-rate financing over 25 years.<\/p>\n

For Sando, who had historically been reluctant to borrow, the project changed his perspective.<\/p>\n

\u201cIt was a great tool that we wanted to take advantage of,\u201d he says. \u201cI don\u2019t know if I could have done it without it.\u201d<\/p>\n

“Steve spent decades building Rancho Gordo in Napa, and now he owns a permanent home for the business in the community where it began,” says Jennifer Davis<\/a>, who administered the Pr\u00e9stamo 504 de la SBA<\/a> on behalf of TMC Financing. “The SBA 504 program helped make that possible by providing affordable, long-term financing that preserved working capital for the business. It’s rewarding to help entrepreneurs like Steve invest not only in their companies, but in the communities they serve.”<\/p>\n

Investing in Napa\u2014and the Future<\/strong><\/p>\n

Since opening on Main Street, Rancho Gordo<\/a> has seen a significant increase in retail activity. But the investment goes beyond the storefront.<\/p>\n

The company currently employs 43 people and expects to create seven additional jobs because of the project. Sando has also made a conscious effort over the years to keep jobs and fulfillment operations in Napa rather than moving them elsewhere simply to reduce costs. Several employees have been with Rancho Gordo for more than 15 years.<\/p>\n

The new location gives the company something it never had before: control over a space it can continue shaping as the business evolves. For Sando, that matters because Rancho Gordo has never been about getting somewhere as quickly as possible.<\/p>\n

Even after 25 years, there is still plenty he wants to do.<\/p>\n

\u201cThe secret is it can be done,\u201d Sando says. \u201cYou can play the long game. And I think really a loan helps you to do that.\u201d<\/p>\n

From farmers market tables to a building of its own on Main Street, Rancho Gordo now has a permanent home for whatever comes next.<\/p>\n

\u00a0<\/strong><\/p>\n

\u00a0<\/strong><\/p>","protected":false},"excerpt":{"rendered":"

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