Feasibility Study Data for the Branson, MO Micro Area

The scale of lending in Branson

245 SBA loans within Branson, MO over FY2017 through FY2026 add up to $149.5 million in gross dollars. For context, Branson stands at 276 of 928 against all core-based areas by loans. $294,500 sets the middle loan; the middle half spans $121,500 to $696,000. Locally the median is 1.42x measured against the median nationwide, placing the typical loan above the national norm. Next, Branson counts only projects inside its borders, and never a state's blend: 245 approvals altogether.

Lenders and programs in Branson

215 loans under 7(a) sit beside 30 loans in 504. In turn, 13.9% of all approvals carry franchisees in this area. Then, under 7(a) loans, the leading lending names by number come out as Branson Bank holding 61 loans for $16.0 million, The Bank of Missouri holding 31 loans worth $14.0 million; and Simmons Bank booking 16 loans totalling $6.4 million. No 504 lender in Branson has enough loans to be named. Then, lender names come from SBA data on 245 loans; they show completed approvals and nothing further, never what lenders require across Branson.

Counties, classes and yearly volume in Branson

49 for hotel and motel, 26 in full-service restaurant, limited-service restaurant at 15, then rV park and campground at 5 rank first by class by approvals. In turn, 121 approvals lie beyond every named class, so its $149.5 million total reaches beyond any class table. Separately, Taney County accounts for all of 245 approvals, so the area and the county are one market. In practice, over the approval years, FY2017 opens at 36 loans and $20.3 million; no year beats the opening one, then FY2026, a part year, finishes the record at 17 loans and $12.2 million.

What the floors allow in Branson

8.4% among FY2017 through FY2024 approvals in Branson have been cancelled before disbursement, a floor; 8.4% is the ceiling if undisbursed loans count. 5.6% among FY2017 through FY2021 loans disbursed in Branson were charged off to date, a floor, in a cohort of 125 loans. Here, the rate within five years is withheld on this page, so only the to-date floor appears. Treat each share above like a floor, because loans written recently got little runway to cancel or default, across 245 loans. Worth noting: area membership here follows the core-based area holding each loan's home county, using July 2023 boundaries as adopted; the counties are tied on name, and a project whose county has no CBSA is missing from each area list by design. Next, whatever its class, each approval in either program in Branson is tallied toward its $149.5 million total.

The feasibility questions for Branson

Around Branson, a study aimed at a site should start at the subject property, rather than the 245-loan file. Separately, demand in Branson leads the work: can Branson's household base carry the income modelled, net of nearby competition in areas such as Taney County? Here, the local median is 1.42x against the median nationwide, so local build costs could run ahead; the cost section prices the scope against quotes from local trades. Beyond that, the debt service test ties income to payments for Branson: expected net income measured on loan payments, plus a weak-sales case. Here, the valuation finishes the job on the Branson site: market value on completion must carry the sum asked for. A sponsor who brings a separate report of Branson, before meeting any lender, has dealt with these rates first; approval rests with the underwriters and SBA for Branson, which a study informs but never decides.