Assisted Living Feasibility Study in the Orlando-Kissimmee-Sanford, FL Metro Area

What SBA's own loan files show about assisted living (without nursing care) lending in the Orlando-Kissimmee-Sanford, FL Metro Area, and what a feasibility study for a project there has to test.

Orlando-Kissimmee-Sanford: assisted living lending

Within Orlando-Kissimmee-Sanford, over FY2017 to FY2026, SBA approved 26 assisted living loans, carrying $29.9 million in gross dollars. In Orlando-Kissimmee-Sanford, assisted living lending comes in at 15 of 39 among the asset classes; Orlando-Kissimmee-Sanford is placed at 24 of 321 across all metro and micro areas for assisted living loans. Orlando-Kissimmee-Sanford's location quotient is 1.08x, above the national share. Orlando-Kissimmee-Sanford's median loan size is $669,000. The middle half of Orlando-Kissimmee-Sanford loans extends from $349,000 to $1.3 million, and the median comes to 0.88x of the nationwide class median. Orlando-Kissimmee-Sanford shows assisted living near the national class on both measures: a 1.08x location quotient and a median of $669,000 at 0.88x. The area is 24 of 321 nationally and the class 15 of 39 in the local table. Lake County holds 10 of the loans and Orange County 8, with a middle half from $349,000 to $1.3 million.

The Orlando-Kissimmee-Sanford 7(a) count is left blank by Loan Analytics, as are the 504 count and the franchise figure, each resting on too few loans to show. A Orlando-Kissimmee-Sanford franchise figure is held back. In Orlando-Kissimmee-Sanford, no holder reaches five loans. Orlando-Kissimmee-Sanford therefore names no lender. By county: Lake County, FL has 10 loans; Orange County, FL has 8 loans.

Orlando-Kissimmee-Sanford: years, floors and limits

In FY2023, Orlando-Kissimmee-Sanford records 0 loans and $0. These Orlando-Kissimmee-Sanford years are held back: FY2017 to FY2022 and FY2024 to FY2026. Orlando-Kissimmee-Sanford's withheld years do not mean none. Orlando-Kissimmee-Sanford's cancellation rate: not published, below 30 loans. Any Orlando-Kissimmee-Sanford charge-off rate: suppressed, under 30 loans. Orlando-Kissimmee-Sanford's floor is Loan Analytics' own. Orlando-Kissimmee-Sanford has a thin FY2017 to FY2021 cohort. Orlando-Kissimmee-Sanford follows the July 2023 list. Each loan reaches Orlando-Kissimmee-Sanford through its county. Orlando-Kissimmee-Sanford leaves out unmatched loans. Orlando-Kissimmee-Sanford counts assisted living without on-site nursing. Orlando-Kissimmee-Sanford: that kind alone has its own code. Orlando-Kissimmee-Sanford memory care has no code, and Orlando-Kissimmee-Sanford homes with nursing sit in other classes.

Orlando-Kissimmee-Sanford: what to test

Orlando care-home plans should establish who can pay, how far residents will travel, how many licensed beds the home holds and how fast they fill. Price construction or conversion against a loan near $669,000, add staffing and the rate structure, and show a slower lease-up beside the base case. A mixed-acuity project that adds nursing needs a different reading. Appraisers value beds and the income they earn, so each revenue assumption needs a source; FY2023 shows 0 loans.

SBA assisted living (without nursing care) loans in the Orlando-Kissimmee-Sanford, FL Metro Area

Loans approved, FY2017 to FY202626
Gross dollars approved$29.9 million
Median loan$669,000
Middle half of loans, from$349,000
Middle half of loans, to$1.3 million
SBA 7(a) loanswithheld
SBA 504 loanswithheld
Franchise share of loanswithheld
Rank among metro and micro areas for assisted living (without nursing care) loans24 of 321
Rank of assisted living (without nursing care) among the classes in this area15 of 39
Location quotient (share of loans against the national share)1.08x
Median loan against the national median for the class0.88x

Cancellation and charge-off

Cancelled after approval, FY2017 to FY2024 approvals (a floor)not reported: fewer than 30 loans in the cohort
Charged off to date, FY2017 to FY2021 disbursed loans (a floor)not reported: fewer than 30 loans in the cohort

Both rates are floors. SBA withholds the status of open loans, so a loan counts as charged off only once SBA reports it; a rate needs at least 30 loans in its cohort and is otherwise not reported.

SBA assisted living (without nursing care) loans approved in the Orlando-Kissimmee-Sanford, FL Metro Area, by fiscal year

00.20.40.60.81FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025FY2026Loans, FY2023: 0
Fiscal yearLoansDollars
FY2017withheldwithheld
FY2018withheldwithheld
FY2019withheldwithheld
FY2020withheldwithheld
FY2021withheldwithheld
FY2022withheldwithheld
FY20230$0
FY2024withheldwithheld
FY2025withheldwithheld
FY2026withheldwithheld

Where the loans are, by county

CountyLoans
Lake County, FL10
Orange County, FL8

Counties with 5 or more loans; smaller ones are not listed.

Metro is the CBSA (metropolitan or micropolitan statistical area) of the loan's project county, July 2023 delineation (OMB Bulletin 23-01). The county is matched by name (manifests/ld2/county-cbsa-map.csv); a loan whose county cannot be placed in a 2023 CBSA is left out of every metro.

Only assisted living without on-site nursing has its own code; memory care has none. Assisted living with nursing is counted in the skilled nursing and continuing care retirement community classes.

Shared code: Assisted living WITH nursing is indexed to 623110 and 623311.

A value marked withheld rests on fewer than 5 loans, or is withheld so that such a figure cannot be derived from other published figures.

Source: U.S. Small Business Administration, 7(a) and 504 loan-level FOIA files (data.sba.gov), as of 2026-09-30; areas from the U.S. Census Bureau CBSA delineation, July 2023 (OMB Bulletin 23-01); Loan Analytics metro cell MA-36740-C05.

Loan Analytics prepares the feasibility study a lender reads before it commits: for a assisted living (without nursing care) project in the Orlando-Kissimmee-Sanford, FL Metro Area, financed under SBA 7(a), SBA 504, USDA Business and Industry or a conventional bank loan. Tell us the project and the lender's deadline, and we reply with scope, timeline and fee.

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