What SBA's own loan files show about lending in the Dayton-Kettering-Beavercreek, OH Metro Area, every asset class together, and what a feasibility study for a project there has to test.
For Dayton-Kettering-Beavercreek, OH, SBA's files show 1,864 approvals in FY2017 to FY2026, with $798.1 million in gross dollars, in a metropolitan area. Dayton differs most on loan size: a $145,500 median, 0.70x of the national median, and Dayton's gap clears our margin. Dayton ranks as an upper-tier area, 57 of 928 by loan count. In Dayton-Kettering-Beavercreek, OH, every asset class is pooled for Dayton. That view of Dayton is missing from OH and national tables.
Dayton's middle-half loans run $50,000 to $374,000, with $145,500 at the median. Dayton sits well below the national level, at 0.70x the national median, so a Dayton study should size its request from Dayton approvals. Dayton: 7(a) leads the mix, with 1,765 7(a) loans against 99 under 504. Dayton franchised businesses took 11.6% of loans, so a branded concept in Dayton needs a brand-cost check in Dayton.
Among Dayton's tracked classes, 61 loans in full-service restaurant; 53 loans in limited-service restaurant; 51 loans in hotel and motel; 33 loans in dental office come first. Another 1,487 Dayton loans sit in no tracked class, so Dayton totals describe operating businesses, not only property. Dayton's top counties by loans: 1,288 loans in Montgomery County, OH, 301 loans in Miami County, OH, and 275 loans in Greene County, OH. Dayton 7(a) record, longest first: The Huntington National Bank with 982 loans, $223.6 million; U.S. Bank, National Association with 119 loans, $19.9 million; KeyBank National Association with 70 loans, $43.2 million. Dayton 504 list: Citywide Small Business Development Corporation ($17.0 million, 31 loans); Alloy Development Co., Inc. ($22.6 million, 24 loans); Community Capital Development Corporation ($8.5 million, 19 loans). The Huntington National Bank, with 982 loans, tops the Dayton rows, each an SBA record of Dayton loans held or once held; none judges Dayton lenders.
Dayton goes from 191 loans in FY2017 to 129 in FY2026, ending lower: the peak was 261 in FY2018, and the trough 129 in FY2026. A Dayton borrower should know the cancellation record: 11.5% as a floor and 13.5% as a ceiling, for FY2017 to FY2024 Dayton approvals. 5.7% is the floor for Dayton loans charged off among the 838 disbursed in FY2017 to FY2021. 3.5% of the Dayton cohort was charged off in five years. Dayton faces a geography limit: Dayton-Kettering-Beavercreek, OH uses the July 2023 definition; 1,864 loans are matched by county, and unplaceable Dayton loans are omitted, so Dayton counts and rates are floors.
A Dayton feasibility study begins with Dayton demand from the right counties: Montgomery County, OH leads the loan counts, though Dayton is wider. If a Dayton concept resembles full-service restaurant, Dayton offers size and lender precedent; other Dayton concepts must rest on their own Dayton evidence. Test Dayton coverage of debt service on a $145,500 loan, and on a $374,000 loan, after pricing Dayton costs from bids. Dayton is metropolitan; a Dayton appraisal belongs in one submarket, not behind Dayton averages. Nothing printed for Dayton predicts approval; each Dayton lender still reviews a study.
| Loans approved, FY2017 to FY2026 | 1,864 |
|---|---|
| Gross dollars approved | $798.1 million |
| Median loan | $145,500 |
| Middle half of loans, from | $50,000 |
| Middle half of loans, to | $374,000 |
| SBA 7(a) loans | 1,765 |
| SBA 504 loans | 99 |
| Franchise share of loans | 11.6% |
| Rank among metro and micro areas by loans | 57 of 928 |
| Median loan against the national median | 0.70x |
| Cancelled after approval, FY2017 to FY2024 approvals (a floor) | 11.5% |
|---|---|
| The same, counting loans still undisbursed as cancelled (a ceiling) | 13.5% |
| Charged off to date, FY2017 to FY2021 disbursed loans (a floor) | 5.7% |
| Charged off within five years of approval | 3.5% |
| Loans in that cohort | 838 |
Both rates are floors. SBA withholds the status of open loans, so a loan counts as charged off only once SBA reports it; a rate needs at least 30 loans in its cohort and is otherwise not reported.
SBA loans approved in the Dayton-Kettering-Beavercreek, OH Metro Area, by fiscal year
| Fiscal year | Loans | Dollars |
|---|---|---|
| FY2017 | 191 | $71.2 million |
| FY2018 | 261 | $72.7 million |
| FY2019 | 185 | $70.6 million |
| FY2020 | 142 | $52.0 million |
| FY2021 | 190 | $91.5 million |
| FY2022 | 189 | $83.0 million |
| FY2023 | 176 | $78.1 million |
| FY2024 | 202 | $86.7 million |
| FY2025 | 199 | $95.7 million |
| FY2026 | 129 | $96.6 million |
| Asset class | Loans |
|---|---|
| Not in any of the 39 asset classes | 1,487 |
| Full-service restaurant | 61 |
| Limited-service restaurant | 53 |
| Hotel and motel | 51 |
| Dental office | 33 |
| Fitness center | 22 |
| Child care center | 22 |
| Beauty salon | 17 |
| Gas station and truck stop | 13 |
| Veterinary clinic | 13 |
| Automotive mechanical repair (car and truck) | 13 |
| Grocery store | 13 |
| Car wash | 9 |
| Caterers (includes banquet halls with catering staff) | 8 |
| Coffee shop and snack bar | 8 |
| Beverage manufacturing (breweries, wineries, distilleries) | 7 |
| Liquor store | 6 |
| Life science lab (research and development) | 5 |
| School (elementary and secondary, including charter) | 5 |
| Medical office (physicians) | 5 |
Classes with 5 or more loans; smaller ones are withheld, and more where a small one could be derived.
| Lender | Loans | Dollars |
|---|---|---|
| Citywide Small Business Development Corporation | 31 | $17.0 million |
| Alloy Development Co., Inc. | 24 | $22.6 million |
| Community Capital Development Corporation | 19 | $8.5 million |
| Ohio Statewide Development Corporation | 10 | $7.9 million |
| Growth Capital Corp. | 7 | $3.9 million |
| Lender | Loans | Dollars |
|---|---|---|
| The Huntington National Bank | 982 | $223.6 million |
| U.S. Bank, National Association | 119 | $19.9 million |
| KeyBank National Association | 70 | $43.2 million |
| First Financial Bank (OH) | 54 | $20.9 million |
| Fifth Third Bank | 42 | $14.5 million |
Lenders with 5 or more loans here; a lender with fewer is not listed, and loans SBA or a receiver holds are counted but never listed as a lender.
| County | Loans |
|---|---|
| Montgomery County, OH | 1,288 |
| Miami County, OH | 301 |
| Greene County, OH | 275 |
Counties with 5 or more loans; smaller ones are not listed.
Metro is the CBSA (metropolitan or micropolitan statistical area) of the loan's project county, July 2023 delineation (OMB Bulletin 23-01). The county is matched by name (manifests/ld2/county-cbsa-map.csv); a loan whose county cannot be placed in a 2023 CBSA is left out of every metro.
All assets: every 7(a) and 504 approval in the metro, including those outside the 39 asset classes.
A value marked withheld rests on fewer than 5 loans, or is withheld so that such a figure cannot be derived from other published figures.
Source: U.S. Small Business Administration, 7(a) and 504 loan-level FOIA files (data.sba.gov), as of 2026-09-30; areas from the U.S. Census Bureau CBSA delineation, July 2023 (OMB Bulletin 23-01); Loan Analytics metro cell MT-19430.
A worked example of the feasibility study a lender would read for a glamping resort project in Ohio, financed with a USDA Business and Industry guaranteed loan.
Loan Analytics prepares the feasibility study a lender reads before it commits: for a commercial project in the Dayton-Kettering-Beavercreek, OH Metro Area, financed under SBA 7(a), SBA 504, USDA Business and Industry or a conventional bank loan. Tell us the project and the lender's deadline, and we reply with scope, timeline and fee.
Start with the data.
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