Feasibility Study Data for the Columbia, SC Metro Area

Columbia in the SBA loan record

Columbia, SC is a metropolitan area, and its 980 SBA approvals in FY2017 to FY2026 carried $651.3 million in gross dollars. Columbia is an upper-tier area: 97 of 928 by loans. In Columbia, SC, every asset class is pooled for Columbia. That view of Columbia is missing from SC and national tables.

$80,000 to $720,675 spans the middle half of Columbia loans, and $249,300 is the median. Columbia sits above the national level: its 1.20x ratio to the national median means Columbia requests sized nationally may look small. Columbia: 7(a) leads the mix, with 908 7(a) loans against 72 under 504. 22.4% of Columbia loans went to franchised businesses, so a Columbia study names the brand, if any, for Columbia.

Who lends in Columbia, and for what

In Columbia, SC, full-service restaurant (52 loans); hotel and motel (46 loans); limited-service restaurant (42 loans); gas station and truck stop (20 loans) lead by loans in Columbia. The 683 loans in no tracked class keep Columbia totals from reading as pure property; much Columbia borrowing funds operating businesses. Columbia counts by county run 460 loans in Richland County, SC, 414 loans in Lexington County, SC, and 63 loans in Kershaw County, SC; a Columbia study should say which it covers. Columbia 7(a) leaders: TD Bank, National Association ($32.2 million, 149 loans); Wells Fargo Bank National Association ($14.9 million, 75 loans); The Huntington National Bank ($26.4 million, 57 loans). Certified Development Corporation of South Carolina ($24.5 million, 36 loans); Provident Business Financial Services, Inc. ($34.0 million, 27 loans) lead 504 lending in Columbia. TD Bank, National Association's 149 loans, like every Columbia lender figure, are an SBA record of Columbia loans held or once held. No Columbia lender is judged by these counts.

Columbia, between FY2017 (94 loans) and FY2026 (107), peaked at 138 in FY2025 and bottomed at 69 in FY2019. Columbia cancellations stand at 11.0%, a floor, for Columbia approvals in FY2017 to FY2024; Columbia's ceiling is withheld, never zero in Columbia. The Columbia charge-off floor reaches 7.9% across a cohort of 380 loans disbursed between FY2017 and FY2021. Early Columbia charge-offs, those within five years, reach 5.3%. Columbia, SC membership follows the July 2023 delineation; Columbia counties are matched by name, and a Columbia loan with no match is dropped, so 980 is a floor, and every Columbia rate is too.

Columbia: testing a project

For Columbia, a study tests Columbia demand within a defined trade area, since Richland County, SC dominates Columbia loan counts. If a Columbia concept resembles full-service restaurant, Columbia offers size and lender precedent; other Columbia concepts must rest on their own Columbia evidence. The Columbia cost section uses local quotes; run Columbia debt service coverage for loans near $249,300 and near $720,675. Columbia is metropolitan, so a Columbia appraisal should name its submarket and test Columbia comparables inside it. The Columbia record frames questions, and each lender in Columbia decides on its own.