Feasibility Study Data for the College Station-Bryan, TX Metro Area

The scale of lending in College Station-Bryan

329 SBA loans across College Station-Bryan, TX over FY2017 to FY2026 add up to $286.2 million in gross dollars. Next, College Station-Bryan places 228 of 928 in the field of all CBSAs by loan count. Then, $383,500 marks the median; half of all loans falls between $150,000 and $1.1 million. Also, locally the median is 1.84x against the median nationwide, so tickets run above the usual national size. In addition, College Station-Bryan is limited to projects inside its borders, not the blend a state page gives: 329 approvals on file.

Who finances projects in College Station-Bryan

276 SBA 7(a) loans sit beside 53 loans under 504. In turn, 23.1% of all approvals involve a franchise brand in this area. Worth noting: within 7(a) lending, the largest names by loans come out as Live Oak Banking Company with 18 loans worth $26.0 million, The Huntington National Bank holding 17 loans for $6.4 million, and Wells Fargo Bank National Association holding 17 loans and $5.7 million. For context, across 504 loans, the largest 504 companies by loans are Capital Certified Development Corporation at 32 loans and $50.5 million then North Texas Certified Development Corporation booking 10 loans worth $12.1 million. Worth noting: the names here are copied from SBA records on 329 approvals; they show past loans only, never the standards that lenders want around College Station-Bryan.

Where the loans sit in College Station-Bryan

Full-service restaurant at 18, 15 for limited-service restaurant, 14 in hotel and motel, plus automotive mechanical repair with 12 top the class table by approvals. 204 loans sit beyond every named class, so its $286.2 million total reaches beyond the class list. Also, 5 approvals in beauty salon across College Station-Bryan are too few for any claim. In practice, across the counties, Brazos County (286), Robertson County (27); and Burleson County (16) come first. Also, taking each approval year, FY2017 starts at 36 loans and $18.5 million; FY2018 is the high point at 41 loans and $35.3 million, while FY2026, the latest complete year, ends the tally at 41 loans and $42.2 million.

What the floors allow in College Station-Bryan

12.8% of FY2017 to FY2024 loans in College Station-Bryan were cancelled before disbursement, a floor. In practice, the ceiling count for College Station-Bryan is withheld, so only the floor stands. Also, 9.0% among FY2017 through FY2021 disbursed loans in College Station-Bryan have been charged off, a floor, out of 144 loans. Also, the rate within five years is withheld here, so only the to-date floor appears. Then, take each percentage above as a floor, as approvals made recently have had scant runway to cancel or default; the file has 329 loans in all. Area membership on this page is defined as the CBSA holding each loan's home county, on the July 2023 delineation as adopted; every county were matched name to name, but any loan whose site county cannot be placed is missing from every area as a rule. In addition, classed or unclassed, any approval in either program in these counties is added toward its $286.2 million total.

The feasibility questions for College Station-Bryan

Across College Station-Bryan, a feasibility study aimed at a property must begin with the subject property, never the 329-loan file. Market demand in College Station-Bryan opens the work: does College Station-Bryan's neighbourhood demand support the volume needed, against competitors in places such as Brazos County? Beyond that, the local median is 1.84x compared with the median nationwide, so prices here may sit above norms; the cost work prices the scope against offers from nearby trades. In turn, the debt service test ties demand to cost in College Station-Bryan: projected net operating income set against the debt payments, with a stress case. The valuation closes the loop in College Station-Bryan: the value of the collateral has to bear the sum requested. Also, a borrower who brings an outside written study of College Station-Bryan, when first approaching any lender, has faced the outcome floors first; approval is for SBA and the lender for College Station-Bryan, which a study informs but never decides.