Feasibility Study Data for the Fort Collins-Loveland, CO Metro Area

What SBA's own loan files show about lending in the Fort Collins-Loveland, CO Metro Area, every asset class together, and what a feasibility study for a project there has to test.

How big the Fort Collins-Loveland record is

Across Fort Collins-Loveland, the agency's approval files list 1,067 loans over FY2017 to FY2026, worth $697.4 million in gross approvals. Fort Collins-Loveland stands among all metro and micro areas, by loans, at rank 93 of 928. The core of Fort Collins-Loveland lending sits between $125,000 and $746,500, and a median near $334,000; which puts the median at 1.61x the national median. Split by program, Fort Collins-Loveland shows 848 loans in 7(a) and 219 under 504. Franchised units took 15.4% of the record.

Fort Collins-Loveland: where loans cluster

Besides, among the tracked classes we list for Fort Collins-Loveland, full-service restaurant heads the list with 43 loans, followed by limited-service restaurant (40) and fitness center (34). Also 745 loans in Fort Collins-Loveland sit outside every class. Every loan in Fort Collins-Loveland falls in Larimer County, CO, at 1,067 loans, so a feasibility study around Fort Collins-Loveland a matter of one county only.

Fort Collins-Loveland: holders of record

Banks and development companies named for Fort Collins-Loveland come from SBA's official Fort Collins-Loveland records of the 1,067 approved loans in Fort Collins-Loveland, carried at present or before; the records show every entry but offer nothing on how lenders underwrite. Next, in the 7(a) program near Larimer County, CO, SBA lists Wells Fargo Bank National Association, with 78 loans for $33.5 million, then U.S. Bank, National Association, holding 71 loans worth $12.2 million. On 504 in Fort Collins-Loveland, the holders include B:Side Capital at 167 loans and $136.4 million; after it, Preferred Lending Partners (39 loans, $19.5 million). Beyond that, a borrower near Larimer County, CO should ask the Fort Collins-Loveland lender Wells Fargo Bank National Association or other Fort Collins-Loveland holders near Larimer County, CO what paperwork it requires, then build the Fort Collins-Loveland study to meet that.

Fort Collins-Loveland: floors and the yearly line

Among Fort Collins-Loveland approvals from FY2017 to FY2024, not below 9.4% ended in cancellation after approval in Fort Collins-Loveland, a floor; the real Fort Collins-Loveland figure is no lower. Beyond that, of disbursed Fort Collins-Loveland loans approved from FY2017 through FY2021, 5.7% stand charged off as of today, again a floor; 2.9% were written off within five years, among a set of 455 loans. Year by year, Fort Collins-Loveland was strongest in FY2025 at 139 loans and $101.2 million, and was weakest in FY2022 at 85 loans and $60.6 million.

Fort Collins-Loveland: the tests ahead

For Fort Collins-Loveland, begin with demand: who passes in Larimer County, CO, who travels in, set against Fort Collins-Loveland as a whole, and how much room 43 full-service restaurant loans leave. Budget: $334,000 is the Fort Collins-Loveland median and $125,000 to $746,500 the middle band, so a Larimer County, CO site must show its own cost basis against that $334,000 midpoint. Repayment: Fort Collins-Loveland coverage survives a soft year against the 9.4% cancellation rate with the 5.7% rate of charge-off. An appraisal in Fort Collins-Loveland must support the value assumed. Fort Collins-Loveland adopts the July 2023 boundaries; a loan whose county entry finds no place drops out of all areas, Fort Collins-Loveland no exception, whereas the totals cover loans not in the class list.

SBA loans in the Fort Collins-Loveland, CO Metro Area

Loans approved, FY2017 to FY20261,067
Gross dollars approved$697.4 million
Median loan$334,000
Middle half of loans, from$125,000
Middle half of loans, to$746,500
SBA 7(a) loans848
SBA 504 loans219
Franchise share of loans15.4%
Rank among metro and micro areas by loans93 of 928
Median loan against the national median1.61x

Cancellation and charge-off

Cancelled after approval, FY2017 to FY2024 approvals (a floor)9.4%
The same, counting loans still undisbursed as cancelled (a ceiling)10.9%
Charged off to date, FY2017 to FY2021 disbursed loans (a floor)5.7%
Charged off within five years of approval2.9%
Loans in that cohort455

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 Fort Collins-Loveland, CO Metro Area, by fiscal year

050100150FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025FY2026Loans, FY2017: 107Loans, FY2018: 92Loans, FY2019: 99Loans, FY2020: 88Loans, FY2021: 126Loans, FY2022: 85Loans, FY2023: 111Loans, FY2024: 111Loans, FY2025: 139Loans, FY2026: 109
Fiscal yearLoansDollars
FY2017107$58.0 million
FY201892$39.3 million
FY201999$54.5 million
FY202088$46.4 million
FY2021126$113.7 million
FY202285$60.6 million
FY2023111$83.2 million
FY2024111$69.2 million
FY2025139$101.2 million
FY2026109$71.3 million

Loans by asset class

Asset classLoans
Not in any of the 39 asset classes745
Full-service restaurant43
Limited-service restaurant40
Fitness center34
Liquor store28
Dental office26
Hotel and motel23
Coffee shop and snack bar23
Automotive mechanical repair (car and truck)22
Medical office (physicians)15
Beauty salon12
Gas station and truck stop11
Beverage manufacturing (breweries, wineries, distilleries)9
Veterinary clinic9
Car wash6
Self storage5
Rehabilitation and therapy clinic5
Child care center5

Classes with 5 or more loans; smaller ones are withheld, and more where a small one could be derived.

Most active SBA lenders

SBA 504: lenders by loans approved (the current holder of each loan, as SBA reports it)
LenderLoansDollars
B:Side Capital167$136.4 million
Preferred Lending Partners39$19.5 million
SBA 7(a): lenders by loans approved (the current holder of each loan, as SBA reports it)
LenderLoansDollars
Wells Fargo Bank National Association78$33.5 million
U.S. Bank, National Association71$12.2 million
The Huntington National Bank62$20.4 million
SouthState Bank, National Association50$55.2 million
First National Bank of Omaha48$11.7 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.

Where the loans are, by county

CountyLoans
Larimer County, CO1,067

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-22660.

Loan Analytics prepares the feasibility study a lender reads before it commits: for a commercial project in the Fort Collins-Loveland, CO 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.

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