Feasibility Study Data for the Barnstable Town, MA Metro Area
What SBA's own loan files show about lending in the Barnstable Town, MA Metro Area, every asset class together, and what a feasibility study for a project there has to test.
Barnstable Town, MA: scale and ticket size, 1,134 loans
Barnstable Town, MA holds rank 87 of 928 by loans, with 1,134 approvals for FY2017 to FY2026, $343.1 million gross. Ticket size in Barnstable Town leans low, with $100,000 at the median, 0.48x the national median. The middle half of Barnstable Town approvals runs from $48,850 up to $309,000. In Barnstable Town, a request far outside $48,850 to $309,000 will draw questions. The Barnstable Town study should answer them early in Barnstable Town.
In Barnstable Town, SBA 7(a) accounts for 892 loans, against 242 under SBA 504. 3.4% of the Barnstable Town loans went to franchised businesses. Barnstable Town named classes stand full-service restaurant with 104, limited-service restaurant with 40 and hotel and motel with 38. The Barnstable Town total of 1,134 also contains 801 loans that no named class captures. In Barnstable Town, only Barnstable County, MA appears, holding 1,134 loans in Barnstable Town.
Barnstable Town lenders: the field in Barnstable Town, MA
In Barnstable Town, lenders listed derive from what SBA reports in Barnstable Town on loans a lender carries or carried in Barnstable Town, as current holder, and they describe a book only. Barnstable Town holders should be read that way. Barnstable Town SBA 7(a) holders at the top: Eastern Bank with 283 loans worth $27.9 million; TD Bank, National Association with 159 loans worth $13.4 million; The Cape Cod Five Cents Savings Bank with 123 loans worth $18.0 million. In Barnstable Town, SBA 504 holders are led by Cape & Islands Community Development, Inc. with 105 loans worth $66.0 million; Bay Colony Development Corporation with 52 loans worth $26.0 million; Granite State Economic Development in Barnstable Town Corporation with 38 loans worth $31.2 million. The first holder in Barnstable Town sets the pace. Even so, a Barnstable Town borrower may take a study elsewhere in Barnstable Town.
Among FY2017 to FY2024 approvals, Barnstable Town cancellation after approval is 11.7%, a floor. A Barnstable Town ceiling of 12.7% treats unfunded loans as cancelled. In Barnstable Town, 4.2% of the 528 loans disbursed in FY2017 in Barnstable Town to FY2021 are charged off to date in Barnstable Town, a floor in Barnstable Town; the five-year measure is withheld. FY2017, at 151 loans, tops the printed yearly counts for Barnstable Town. The Barnstable Town area rests on project county, found by name lookup to the July 2023 delineation, hence that loan with an unmatched county is dropped from all areas. The 1,134 loans in Barnstable Town, MA include those in no named class in Barnstable Town.
Barnstable Town: the tests a study cannot skip in Barnstable Town, MA
A Barnstable Town study opens with demand in Barnstable Town. Map who lives and works near the exact address in Barnstable Town, not the metropolitan area in Barnstable Town, and let a weak first year pass. Barnstable Town cost is the second test. Loans near $100,000 are common, yet rebuild the budget from quotes, including a reserve for slow Barnstable Town months. Debt service coverage is the Barnstable Town hinge. Compute the ratio at the planned loan then in a stress case, with interest and term stated for Barnstable Town. An appraiser values the Barnstable Town property independently, so the cost-to-value story should be verifiable in Barnstable Town. Inside Barnstable Town, MA, submarkets differ widely. Its 1,134 loans average across them all, so a Barnstable Town study must name the Barnstable Town submarket it means. At 0.48x of the national median in Barnstable Town, a very large Barnstable Town project may look unusual in Barnstable Town. The study should explain its scale for Barnstable Town against $100,000.
SBA loans in the Barnstable Town, MA Metro Area
| Loans approved, FY2017 to FY2026 | 1,134 |
|---|---|
| Gross dollars approved | $343.1 million |
| Median loan | $100,000 |
| Middle half of loans, from | $48,850 |
| Middle half of loans, to | $309,000 |
| SBA 7(a) loans | 892 |
| SBA 504 loans | 242 |
| Franchise share of loans | 3.4% |
| Rank among metro and micro areas by loans | 87 of 928 |
| Median loan against the national median | 0.48x |
Cancellation and charge-off
| Cancelled after approval, FY2017 to FY2024 approvals (a floor) | 11.7% |
|---|---|
| The same, counting loans still undisbursed as cancelled (a ceiling) | 12.7% |
| Charged off to date, FY2017 to FY2021 disbursed loans (a floor) | 4.2% |
| Charged off within five years of approval | withheld |
| Loans in that cohort | 528 |
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 loans approved in the Barnstable Town, MA Metro Area, by fiscal year
| Fiscal year | Loans | Dollars |
|---|---|---|
| FY2017 | 151 | $30.1 million |
| FY2018 | 148 | $43.7 million |
| FY2019 | 118 | $28.8 million |
| FY2020 | 98 | $30.7 million |
| FY2021 | 90 | $32.9 million |
| FY2022 | 88 | $32.1 million |
| FY2023 | 94 | $28.3 million |
| FY2024 | 112 | $30.6 million |
| FY2025 | 131 | $40.1 million |
| FY2026 | 104 | $45.6 million |
Loans by asset class
| Asset class | Loans |
|---|---|
| Not in any of the 39 asset classes | 801 |
| Full-service restaurant | 104 |
| Limited-service restaurant | 40 |
| Hotel and motel | 38 |
| Automotive mechanical repair (car and truck) | 18 |
| Beauty salon | 17 |
| Liquor store | 16 |
| Fitness center | 12 |
| Dental office | 10 |
| Medical office (physicians) | 10 |
| Coffee shop and snack bar | 9 |
| Grocery store | 9 |
| Rehabilitation and therapy clinic | 7 |
| Child care center | 7 |
| Gas station and truck stop | 6 |
| Beverage manufacturing (breweries, wineries, distilleries) | 5 |
| Nonresidential lessor (flex, office and retail investor buildings) | 5 |
Classes with 5 or more loans; smaller ones are withheld, and more where a small one could be derived.
Most active SBA lenders
| Lender | Loans | Dollars |
|---|---|---|
| Cape & Islands Community Development, Inc. | 105 | $66.0 million |
| Bay Colony Development Corporation | 52 | $26.0 million |
| Granite State Economic Development Corporation | 38 | $31.2 million |
| South Eastern Economic Development Corporation | 23 | $16.5 million |
| Lender | Loans | Dollars |
|---|---|---|
| Eastern Bank | 283 | $27.9 million |
| TD Bank, National Association | 159 | $13.4 million |
| The Cape Cod Five Cents Savings Bank | 123 | $18.0 million |
| Rockland Trust Company | 46 | $11.7 million |
| Citizens Bank, National Association | 26 | $18.1 million |
Lenders with 5 or more loans here; a lender with fewer is not listed, and loans SBA or a receiver holds are counted but never listed as a lender.
Where the loans are, by county
| County | Loans |
|---|---|
| Barnstable County, MA | 1,134 |
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.
All assets: every 7(a) and 504 approval in the metro, including those outside the 39 asset classes.
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 MT-12700.
Related feasibility study pages
- Massachusetts feasibility study company
- Feasibility Study Data by Metro Area
- Feasibility studies for SBA 7(a) and 504 loans
- Feasibility Study Data for the Boston-Cambridge-Newton, MA-NH Metro Area
- Feasibility Study Data for the Worcester, MA Metro Area
- Feasibility Study Data for the Springfield, MA Metro Area
- Feasibility Study Data for the Pittsfield, MA Metro Area
- Feasibility Study Data for the Amherst Town-Northampton, MA Metro Area
- Feasibility Study Data for the Greenfield, MA Micro Area
Feasibility study data by asset class in the Barnstable Town, MA Metro Area
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