Feasibility Study Data for the Atlanta-Sandy Springs-Roswell, GA Metro Area

Atlanta-Sandy Springs-Roswell, GA: scale and ticket size, 13,525 loans

Atlanta-Sandy Springs-Roswell, GA holds rank 7 of 928 by loans, with 13,525 approvals for FY2017 to FY2026, $10.15 billion gross. Ticket size in Atlanta leans high in Atlanta, with $350,000 at the median in Atlanta, 1.68x the national median in Atlanta. The middle half of Atlanta approvals runs from $150,000 up to $880,000. In Atlanta, a request far outside $150,000 to $880,000 will draw questions. The Atlanta study should answer them early in Atlanta.

In Atlanta, SBA 7(a) accounts for 12,360 loans, against 1,165 under SBA 504. 19.5% of the Atlanta loans went to franchised businesses. Atlanta named classes stand full-service restaurant with 836, limited-service restaurant with 648 and child care center with 404. The Atlanta total of 13,525 also contains 8,648 loans that no named class captures in Atlanta. By project county, Atlanta loans fall in Fulton County, GA with 3,152, Gwinnett County, GA with 2,451 and Cobb County, GA with 1,848 in Atlanta.

Atlanta lenders: the field in Atlanta-Sandy Springs-Roswell, GA

In Atlanta, holder lists use SBA's record of the loans a bank now holds or once held, as current holder in Atlanta, and say nothing of lender standards. Atlanta holders should be read that way. Atlanta SBA 7(a) holders at the top in Atlanta: Wells Fargo Bank National Association with 945 loans worth $133.9 million; The Huntington National Bank with 725 loans worth $346.4 million; Newtek Bank, National Association with 550 loans worth $202.0 million. In Atlanta, SBA 504 holders are in Atlanta led by Florida Business Development Corporation with 363 loans worth $379.5 million; Capital Partners Certified Development Company with 355 loans worth $430.4 million; Small Business Access Partners, Inc. with 246 loans worth $275.8 million. In Atlanta, the top holder leads the rest. An Atlanta borrower may still approach any lender in Atlanta.

Among FY2017 to FY2024 approvals, Atlanta cancellation after approval is 11.8%, a floor. An Atlanta ceiling of 12.6% treats unfunded loans as cancelled. Atlanta charge-offs to date, a floor, run 6.3% for the 5,474 loans disbursed from FY2017 to FY2021 in Atlanta; 3.8% came within five years. FY2025, at 1,897 loans, tops the printed yearly counts for Atlanta. Atlanta membership follows its project county, which is looked up by county name in the July 2023 area list, so a loan whose county cannot be placed falls outside every area. The 13,525 loans in Atlanta-Sandy Springs-Roswell, GA include those in no named class.

Atlanta: the tests a study cannot skip in Atlanta-Sandy Springs-Roswell, GA

Start with demand in Atlanta. Count the customers within reach of the actual site in Atlanta, not the metropolitan area in Atlanta, then test a late opening in Atlanta. Cost needs care in Atlanta. The middle half runs $150,000 to $880,000, but the budget needs local bids, adding a visible contingency for Atlanta. Finally, Atlanta debt service coverage. Present the ratio for the amount and again on weaker revenue, so the margin in Atlanta of safety shows in Atlanta. The value view meets an Atlanta appraisal, so each source behind the numbers must hold up before an appraiser in Atlanta. Inside Atlanta-Sandy Springs-Roswell, GA, submarkets differ widely. Its 13,525 loans average across them all, so an Atlanta study must name the Atlanta submarket it means. With Atlanta at 1.68x the national median in Atlanta, projects run large in Atlanta. The study must justify its project for Atlanta against $350,000.