Feasibility Study Data for the East Stroudsburg, PA Micro Area

East Stroudsburg, PA: loan volume and median size around East Stroudsburg

The agency approved 200 SBA loans for projects in the East Stroudsburg, PA micro area over FY2017 to FY2026, for $126.3 million gross. By loan count, East Stroudsburg ranks 313 of 928 against every other statistical area, East Stroudsburg among them. The median ticket in East Stroudsburg is $250,000; the middle half of approved loans run from $68,750 to $594,150. Against the country, East Stroudsburg borrowers take larger loans, at 1.20x of the national median. Large East Stroudsburg tickets are the first thing that sets East Stroudsburg apart.

East Stroudsburg, PA loans and who holds them around East Stroudsburg

The program split in East Stroudsburg is 172 under 7(a) and 28 under 504; in East Stroudsburg, 7(a) carries the larger East Stroudsburg share. Franchise brands account for 12.5% of loans in this micro area. TD Bank, National Association East Stroudsburg tops the 7(a) East Stroudsburg table at 17 loans and $2.7 million, and Manufacturers and Traders Trust Company comes second with 17 loans and $1.6 million. Further down, PNC Bank, National Association shows 16 loans, then 12 for Wells Fargo Bank National Association. For 504, the top name is NEPA Alliance Business Finance Corporation, holding 20 loans worth $26.0 million. These are SBA's records of East Stroudsburg loans held or once held. The East Stroudsburg line for TD Bank, National Association appears because SBA names it as the East Stroudsburg holder; the East Stroudsburg list neither praises nor faults any holder.

East Stroudsburg, PA: which classes and counties lead East Stroudsburg

Most of the East Stroudsburg total sits outside the tracked asset classes: 128 loans that carry codes outside the East Stroudsburg table. The East Stroudsburg class rows therefore describe a minority of East Stroudsburg lending. Among tracked classes, hotel and motel leads with 20 loans, then full-service restaurant with 16. The county table starts with Monroe County, PA at 200 loans. Demand differs between these East Stroudsburg counties, so the East Stroudsburg figure hides some spread.

East Stroudsburg: cancellations, charge-offs and caveats in East Stroudsburg, PA

A minimum of 15.1% of East Stroudsburg approvals East Stroudsburg made in FY2017 to FY2024 never funded; the East Stroudsburg ceiling, treating undisbursed loans as cancelled, is also 15.1%. No charge-off rate is shown for East Stroudsburg: too few loans came to the funded cohort, so East Stroudsburg gets no rate, and a blank not means none. Annual approvals peaked in FY2025 at 30 loans and $15.2 million. FY2020, with 5 loans and $2.9 million, was the weakest East Stroudsburg year before FY2026. Membership in the East Stroudsburg, PA micro area follows the project county: Monroe County, PA, Monroe County, PA and the rest, federal boundaries from July 2023 settle which East Stroudsburg counties count, with East Stroudsburg counties matched by name.

East Stroudsburg, PA: what a study for a East Stroudsburg project must prove

In East Stroudsburg, a study must start from one site and one East Stroudsburg county, since area totals mix several markets. Reading the East Stroudsburg table from the top, hotel and motel comes first, and expect scrutiny of corporate and leisure demand mix, plus staffing cost per occupied room and room-night demand by segment. An East Stroudsburg request in full-service restaurant depend on the lease term against payback and on how East Stroudsburg diners split by daypart. Debt service coverage in East Stroudsburg has to sharp even if sales slip; the appraisal has to rest on local East Stroudsburg comparables and income. With larger loans common in East Stroudsburg, the East Stroudsburg study should tie the amount to real East Stroudsburg costs, and never to what neighbors borrowed.