Feasibility Study Data for the Columbus, GA-AL Metro Area

Columbus, GA-AL: volume and loan size, median $387,000

Columbus stands 263 of 928 by loans, drawing 265 SBA approvals over FY2017 to FY2026, $227.7 million gross. In Columbus, $387,000 is the median loan, 1.86x the national median. Half of Columbus loans sit between $139,000 and $1.2 million, larger tickets than the national norm in Columbus. Lenders working Columbus see tickets from $139,000 to $1.2 million most often. A Columbus study should place its project inside that $139,000 to $1.2 million range in Columbus.

In Columbus, SBA 7(a) carries 234 loans and SBA 504 carries 31. In Columbus, franchise brands account for 26.4% of the loans. In Columbus, leading classes: hotel and motel with 24, full-service restaurant with 17 and fitness center with 12. Another 146 approvals fall in no named class, so Columbus totals 265 loans, more than its classes combined. In Columbus, the counties carrying most volume are Muscogee County, GA with 202, Russell County, AL with 36 and Harris County, GA with 18. A state line crosses Columbus. Rules differ by side in Columbus. Name the state behind each Columbus input.

Columbus: holders of SBA loans in Columbus, GA-AL

In Columbus, this section reflects SBA's record in Columbus of loans a bank keeps or kept in Columbus, in the holder field, so they measure books, not rules. Columbus holders should be read that way in Columbus. Heading the Columbus SBA 7(a) list in Columbus: Wells Fargo Bank National in Columbus Association with 24 loans worth $2.3 million; Pinnacle Bank (TN) with 20 loans worth $18.4 million; Colony Bank with 12 loans worth $9.3 million. The Columbus SBA 504 side shows Florida Business Development Corporation with 13 loans worth $8.5 million; Capital Partners Certified Development Company with 8 loans worth $8.5 million. In Columbus, concentration among top holders says little. A Columbus study should stand on evidence alone in Columbus.

Among Columbus approvals of FY2017 to FY2024, 15.7% were cancelled after approval, a floor. Another Columbus ceiling, counting unfunded loans as cancelled stays unprinted for Columbus, as withheld. In Columbus, 5.3% of the 94 loans disbursed in FY2017 in Columbus to FY2021 are charged in Columbus off to date in Columbus, a floor in Columbus; the five-year measure is withheld. Columbus trend: the busiest year is FY2025, at 42 loans. Files place a loan in Columbus using its project county, matched by name using the July 2023 delineation, therefore every loan lacking a usable county falls outside every area. The 265 loans in Columbus, GA-AL sit outside every named class in the area table.

Columbus: what a project study must test, per Columbus, GA-AL

First, prove demand in Columbus. Count the customers within reach of the project address alone, with a cautious ramp shown in Columbus. Next, price the Columbus project. The middle half runs $139,000 to $1.2 million, while each line belongs on a quote, plus working capital and reserves in Columbus. Columbus debt service coverage ties it together. Present the ratio for the amount also with lower sales, since approval is no guarantee in Columbus. An independent Columbus appraisal comes last, so each source behind the numbers ought to trace to evidence in Columbus. Inside Columbus, GA-AL, submarkets differ widely. Its 265 loans average across them all, so a Columbus study must name the Columbus submarket it means. With Columbus at 1.86x the national median in Columbus, projects run large in Columbus. The study must justify its project for Columbus against $387,000.