Feasibility Study Data for the Batavia, NY Micro Area

Batavia, NY: SBA lending volume and loan size in Batavia

Ranked 318 of 928 by loans, Batavia drew 192 approvals between FY2017 and FY2026, $41.7 million gross. A median of $50,000 in Batavia sits at 0.24x the national median, below the usual ticket. Batavia loans in the middle half fall from $25,000 to $151,500. With $25,000 and $151,500 bounding the middle half in Batavia, no single benchmark fits every project in Batavia.

In Batavia, 183 approvals are SBA 7(a) loans in Batavia; 9 are SBA 504 loans. Batavia franchise share of loans is 4.2%. In Batavia, classes read automotive mechanical repair with 14, full-service restaurant with 8 loans and limited-service restaurant with 7 loans. In Batavia, outside the tracked classes, 136 loans make up the rest of the 192. A single county, Genesee County, NY, accounts for 192 Batavia loans.

Batavia, NY: who holds the loans, 192 in all

In Batavia, this section reflects SBA's listing of loans each institution keeps or kept, per the holder note in Batavia, which tells volume, not practice. Batavia holders should be read that way in Batavia. The largest Batavia holders under SBA 7(a) are Manufacturers and Traders Trust Company with 51 loans worth $5.3 million; Tompkins Community Bank with 42 loans worth $4.1 million; Five Star Bank in Batavia (NY) with 33 loans worth $4.1 million. No holder in Batavia, NY reaches the 504 table threshold. The Batavia 504 side carries no lender names. In Batavia, the top holder leads the rest. A Batavia borrower may still approach any lender in Batavia.

SBA's files show 9.2% of FY2017 to FY2024 approvals in Batavia cancelled, a floor. Another Batavia ceiling, counting loans not yet disbursed as cancelled is suppressed, and Batavia gets no estimate. Of 91 disbursed Batavia loans in the FY2017 to FY2021 cohort, 5.5% are charged off to date (a floor), 5.5% within five years. Of the printed Batavia years, FY2018 leads with 33 loans. The Batavia area rests on a project's county, from the file using the July 2023 delineation, therefore any loan whose county is unplaceable sits in none of the areas. The 192 loans in Batavia, NY include those that fall in no named class.

Batavia, NY: what the record asks of a Batavia feasibility study

First, prove demand in Batavia. Measure the trade area around that location, never Batavia at large, while holding a slow start for Batavia. Next, price the Batavia project. Lenders fund a $50,000 median here, however land and building need bids, with contingency stated openly in Batavia. Batavia debt service coverage ties it together. Calculate coverage at the loan size once more on conservative revenue, to find the Batavia breakeven revenue. An independent Batavia appraisal comes last, so the study's value logic needs to reconcile with value in Batavia. Micropolitan Batavia offers a thin base of 192 loans. A Batavia study should disclose borrowed benchmarks. At 0.24x of the national median, a very large Batavia project may look unusual in Batavia. The study should explain its scale for Batavia against $50,000.