Feasibility Study Data for the Boulder, CO Metro Area

Boulder scale: counts, dollars and typical loans in Boulder, CO

The agency approved 1,103 SBA loans for projects in the Boulder, CO metro area from FY2017 through FY2026, and $625.2 million in gross dollars stands behind them. Boulder holds rank 90 of 928 against every other statistical area, Boulder among them. The local median loan is $280,000, and the central half fall from $100,000 up to $646,500. On loan size the picture is clear: with a median 1.35x of the national one. Nationally, Boulder loans run smaller than they do here.

Boulder, CO: 7(a), 504 and the holders behind Boulder

The metro area shows 986 loans under 7(a), against 117 under 504; in Boulder, 7(a) carries the larger share. Loans tied to franchise systems make up 13.3%. Among 7(a) Boulder holders, The Huntington National Bank stands first, at 93 loans and $29.2 million; next is U.S. Bank, National Association, 85 loans for $15.5 million. Further Boulder down, Wells Fargo Bank National Association shows 81 loans, then 71 for JPMorgan Chase Bank, National Association. 504 lending here runs through B:Side Capital, at 97 loans and $77.9 million. Preferred Lending Partners trails with 12. Every lender entry is SBA's record of holdings. The Huntington National Bank Boulder appears on the strength of SBA's Boulder holder field; that says nothing about how U.S. Bank, National Association underwrites.

Boulder, CO: classes and counties inside Boulder

Most of the Boulder total sits outside the tracked asset classes: 752 loans filed under other codes. The class rows therefore reflect a minority of Boulder lending. The Boulder class table opens with full-service restaurant, 66 loans, ahead of liquor store at 36 and limited-service restaurant with 35. Further down sit fitness center, 34 loans and dental office at 29. By county, Boulder County, CO accounts for 1,103 loans. A project in one county faces other land costs, so the Boulder figure hides some spread.

Boulder, CO: how to read Boulder cancellations and charge-offs

10.8% is the lowest the Boulder cancellation share can be for FY2017 to FY2024 approvals; on the wider view that undisbursed Boulder loans are lost, the ceiling is 12.7%. Charge-offs to date are at least 5.5% for the FY2017 to FY2021 disbursed Boulder cohort of 454 loans, and 4.0% were Boulder charged off within five years of approval. Seasoning goes on, making these floors and can only rise. Annual approvals peaked in FY2025 at 163 loans and $90.1 million, and the quietest Boulder year before FY2026 was FY2020, at 74 loans and $40.0 million. Boulder is built from project counties such as Boulder County, CO. Then county membership follows the 2023 Boulder delineation, so a loan from an unmatched Boulder county appears nowhere.

Boulder, CO: what a study for a Boulder project must prove

A study for a Boulder project should be constructed for one site and one county, as no single market stands behind the total. Full-service restaurant is the lead Boulder class in Boulder, so the study should test what prime cost leaves for debt, liquor licence timing and cost and Boulder dining rooms and their weeknight trade. For liquor store, the next class in Boulder, depend on inventory financing needs and on theft and shrink. Cash flow for a Boulder loan needs a poor-year test; the collateral value needs local proof under it. With larger tickets common in Boulder, the study should tie the amount to the Boulder project and not to the area.