Feasibility Study Data for the Eureka-Arcata, CA Micro Area

Eureka-Arcata: the size of the record

Eureka-Arcata drew 224 SBA approvals across FY2017 to FY2026, worth $118.8 million gross. Eureka-Arcata sits at 294 of 928 among areas ranked by loans. Eureka-Arcata loans center on $182,700, the median. For Eureka-Arcata, the middle half lies at $50,000 to $514,875. 0.88x is the Eureka-Arcata median set beside the national one. In Eureka-Arcata, 186 loans were 7(a) and 38 were 504. 5.8% of the loans in Eureka-Arcata carry a franchise brand. $118.8 million is the Eureka-Arcata dollar total.

Eureka-Arcata: where the loans land

Class by class, Eureka-Arcata shows hotel and motel (22), limited-service restaurant (9), and full-service restaurant (8) on top. Next in Eureka-Arcata comes gas station and truck stop at 7 loans. The Eureka-Arcata record also holds 144 loans in no tracked class. SBA locates every Eureka-Arcata loan in Humboldt County, CA, 224 in all.

Eureka-Arcata: the lender side

A Eureka-Arcata lender row names today's holder; the Eureka-Arcata originator may be another. Among Eureka-Arcata 7(a) holders: 55 loans at Redwood Capital Bank ($18.6 million), 28 loans at U.S. Bank, National Association ($2.1 million), and 25 loans at Columbia Bank (OR) ($2.6 million). Eureka-Arcata holders under 504 include Arcata Economic Development Corporation (29 loans, $16.6 million). Eureka-Arcata rows serve a borrower as background. No Eureka-Arcata row recommends any institution.

Eureka-Arcata: outcome rates and data limits

Eureka-Arcata cancellation, FY2017 to FY2024 approvals: 12.6%. It is a floor for Eureka-Arcata. The ceiling is withheld for Eureka-Arcata: Eureka-Arcata loans are few. A rate needs more Eureka-Arcata disbursed loans. Eureka-Arcata charge-offs are withheld, not zero. Eureka-Arcata rates are floors. Loans season, and Eureka-Arcata events can still raise them. Each Eureka-Arcata loan is placed by county name. Eureka-Arcata follows the July 2023 delineation. Eureka-Arcata omits loans with no county match. The Eureka-Arcata total includes loans outside the classes.

Eureka-Arcata: testing a project

Eureka-Arcata approvals were thinnest in FY2019 (9 loans, $3.3 million) and heaviest in FY2017 (39 loans, $18.6 million). FY2026 closes the Eureka-Arcata series at 32 loans, $19.1 million. A Eureka-Arcata study weighs local demand against Humboldt County, CA competitors, not national patterns. Cost follows in Eureka-Arcata: site, build and equipment priced against a $182,700 median. Eureka-Arcata is 0.88x of the national one. A Eureka-Arcata study runs coverage on a slow ramp. Eureka-Arcata history of cancellations argues for it. Eureka-Arcata value is tested against cost by appraisal. Eureka-Arcata comparables decide how. Sources and uses in Eureka-Arcata must tie to bids near Humboldt County, CA. The Eureka-Arcata study states its limits beside Humboldt County, CA findings.