Feasibility Study Data for the Battle Creek, MI Metro Area

Battle Creek: what the area shows

Battle Creek, MI is a metropolitan area, and its 220 SBA approvals in FY2017 to FY2026 carried $145.6 million in gross dollars. Battle Creek is a mid-table area: 297 of 928 by loans. In Battle Creek, MI, every asset class is pooled for Battle Creek. That view of Battle Creek is missing from MI and national tables.

Battle Creek's middle-half loans run $75,000 to $674,825, with $238,050 at the median. Battle Creek sits above the national level: its 1.14x ratio to the national median means Battle Creek requests sized nationally may look small. Battle Creek counts 206 loans under 7(a) and 14 under 504, so 7(a) carries the Battle Creek mix. Battle Creek franchise loans reach 13.6%, so brand standards often shape a Battle Creek request there.

Battle Creek: classes, places and lenders

Loan counts for Battle Creek's tracked classes peak at hotel and motel (13); limited-service restaurant (9); full-service restaurant (7); automotive mechanical repair (5). 141 Battle Creek loans sit outside the tracked classes, so Battle Creek operating businesses show up in these totals. Calhoun County, MI (220 loans) lead by county; a Battle Creek study names which county it covers. The Huntington National Bank ($8.9 million, 65 loans); Kellogg Community CU ($18.3 million, 22 loans); Fifth Third Bank ($10.3 million, 15 loans) lead 7(a) lending in Battle Creek. The Huntington National Bank, with 65 loans, tops the Battle Creek rows, each an SBA record of Battle Creek loans held or once held; none judges Battle Creek lenders.

Battle Creek, between FY2017 (27 loans) and FY2026 (13), peaked at 30 in FY2025 and bottomed at 13 in FY2020. Battle Creek cancellation after approval runs at 10.7% as a floor for Battle Creek approvals, FY2017 to FY2024, and 10.7% as a ceiling that counts Battle Creek loans still undisbursed as cancelled. Battle Creek prints no charge-off floor: of 220 loans, the cohort is too thin. Battle Creek withholds it; withheld is not zero. Battle Creek faces a geography limit: Battle Creek, MI uses the July 2023 definition; 220 loans are matched by county, and unplaceable Battle Creek loans are omitted, so Battle Creek counts and rates are floors.

Battle Creek: testing a project

For Battle Creek, a study tests Battle Creek demand within a defined trade area, since Calhoun County, MI dominates Battle Creek loan counts. If a Battle Creek concept resembles hotel and motel, Battle Creek offers size and lender precedent; other Battle Creek concepts must rest on their own Battle Creek evidence. The Battle Creek cost section uses local quotes; run Battle Creek debt service coverage for loans near $238,050 and near $674,825. Battle Creek appraisals compare within one submarket of Battle Creek, MI, not across averages. Nothing printed for Battle Creek predicts approval; each Battle Creek lender still reviews a study.