Feasibility Study Data for the Flagstaff, AZ Metro Area

Flagstaff, AZ in the national count, 283 loans

SBA files rank Flagstaff 255 of 928 by loans: 283 approvals in FY2017 to FY2026, $255.3 million gross. Median loan: $375,000 in Flagstaff, 1.80x the national median. That makes Flagstaff a larger-ticket market. In Flagstaff, the middle half of in Flagstaff loans runs from $150,000 to $1.2 million. Because $150,000 and $1.2 million frame the middle half, a Flagstaff borrower should weigh any Flagstaff request against $375,000.

Program mix in Flagstaff: 225 under SBA 7(a) and 58 under SBA 504. As SBA flags them, 15.9% of Flagstaff loans are franchise loans. Asset by asset, Flagstaff shows hotel and motel with 33, full-service restaurant with 15 and limited-service restaurant with 14. A further 166 Flagstaff loans sit in no named class in Flagstaff. The class lines for Flagstaff therefore never sum to 283. All Flagstaff loans trace to Coconino County, AZ, with 283 approvals, so Flagstaff behaves as a one-county market in Flagstaff.

Flagstaff, AZ lender names, as SBA lists them in Flagstaff

In Flagstaff, lenders listed derive from SBA's listing in Flagstaff of loans each institution keeps or kept in Flagstaff, in the holder field, so they record a portfolio only. Flagstaff holders should be read that way. The Flagstaff SBA 7(a) table in Flagstaff opens with Zions Bancorporation, National Association with 16 loans worth $1.4 million; JPMorgan Chase Bank, National Association with 14 loans worth $4.5 million; St. Louis Bank with 13 loans worth $17.6 million. Under SBA 504, Flagstaff lists CDC Small Business Finance Corp. with 20 loans worth $19.5 million; Arizona Capital Source with 17 loans worth $27.6 million; The Mortgage Capital Development Corporation with 14 loans worth $13.9 million first. The first holder in Flagstaff sets the pace. Even so, a Flagstaff borrower may take a study elsewhere in Flagstaff.

Of Flagstaff approvals from FY2017 to FY2024, at least 10.0% were cancelled after approval. Flagstaff has a ceiling of 10.0% when undisbursed loans count as cancelled. The Flagstaff loss rate, to date, across the disbursed class of in Flagstaff FY2017 to FY2021 is withheld in Flagstaff, resting on too few loans; this page prints nothing for Flagstaff, not zero. Flagstaff's busiest printed year was FY2024, with 36 loans. Each loan lands in Flagstaff by a project's county, from the file under the July 2023 delineation, which means a loan whose county cannot be placed stays out of every area. The 283 loans in Flagstaff, AZ include those in no named class in Flagstaff.

Flagstaff, AZ: questions a study has to answer for Flagstaff

A Flagstaff study opens with demand in Flagstaff. Measure the trade area around the project address alone, and stress the first year in Flagstaff. Flagstaff cost is the second test. Lenders fund a $375,000 median here, while each line belongs on a quote in Flagstaff, with Flagstaff fees and reserves itemised. Debt service coverage is the Flagstaff hinge. Calculate coverage at the loan size also with lower sales, saying how far Flagstaff revenue can fall. An appraiser values the Flagstaff property independently, so the study's value logic ought to trace to evidence in Flagstaff. In Flagstaff, 283 loans spread over many neighbourhoods, and a Flagstaff study must say which it targets in Flagstaff. With the median at 1.80x the national level, a smaller Flagstaff project may look unusual in Flagstaff. The study should explain its sizing for Flagstaff against $375,000.