Gas Station Feasibility Study in the Bremerton-Silverdale-Port Orchard, WA Metro Area
What SBA's own loan files show about gas station and truck stop lending in the Bremerton-Silverdale-Port Orchard, WA Metro Area, and what a feasibility study for a project there has to test.
Bremerton-Silverdale-Port Orchard is a small metro with a remarkable fuel-station record. The location quotient is 6.63x, gas stations and truck stops hold 2 of 39 places locally and the area ranks 33 among 600. Over FY2017 to FY2026 the file lists 38 approvals worth $84.1 million. The $2.2 million median is 2.06x the figure for gas stations across the country, and the central band, $1.5 million to $3.0 million, marks these as large financings.
All 7(a), all in Kitsap County, mostly franchised
All of the loans used 7(a); 504 reads 0 loans, a printed count and not a hidden figure. Kitsap County, WA supplies all 38 loans. Franchise units are 71.1% of loans. Readycap Lending, LLC alone clears the display threshold, at 5 loans and $19.9 million, a very large average.
Years and the printed zero
FY2017 is printed as 0 loans and $0, an honest tally of none. FY2018 shows 7 loans and $14.1 million, FY2019 7 loans and $15.4 million and FY2021 9 loans and $19.0 million. FY2020 and FY2022 through FY2026 are hidden. The cohort holds under 30 loans, so no cancellation figure is printed for this station market, and charge-offs stay hidden. Neither should be read as nil.
Format, saturation and site risk
Because truck stops and travel centers share this code with stores that have no shop, and leaves electric charging out of the index, the study must define the format it means. A location quotient this high invites the question of saturation: how many competing stations serve the same corridors and how much of the volume the project can realistically capture. Site contamination history, tank condition and cleanup exposure belong in the cost test, which also has to be set against the $2.2 million median. With a franchise share of 71.1%, the brand's supply contract and image requirements are part of the budget. Fuel margin swings should be stressed in the cash model, and the appraisal should separate land, building, equipment and business value. Kitsap County is placed by the July 2023 delineation, and the study should also describe the site's access for fuel delivery trucks and the fire and environmental permits the use requires.
SBA gas station and truck stop loans in the Bremerton-Silverdale-Port Orchard, WA Metro Area
| Loans approved, FY2017 to FY2026 | 38 |
|---|---|
| Gross dollars approved | $84.1 million |
| Median loan | $2.2 million |
| Middle half of loans, from | $1.5 million |
| Middle half of loans, to | $3.0 million |
| SBA 7(a) loans | 38 |
| SBA 504 loans | 0 |
| Franchise share of loans | 71.1% |
| Rank among metro and micro areas for gas station and truck stop loans | 33 of 600 |
| Rank of gas station and truck stop among the classes in this area | 2 of 39 |
| Location quotient (share of loans against the national share) | 6.63x |
| Median loan against the national median for the class | 2.06x |
Cancellation and charge-off
| Cancelled after approval, FY2017 to FY2024 approvals (a floor) | not reported: fewer than 30 loans in the cohort |
|---|---|
| Charged off to date, FY2017 to FY2021 disbursed loans (a floor) | withheld |
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 gas station and truck stop loans approved in the Bremerton-Silverdale-Port Orchard, WA Metro Area, by fiscal year
| Fiscal year | Loans | Dollars |
|---|---|---|
| FY2017 | 0 | $0 |
| FY2018 | 7 | $14.1 million |
| FY2019 | 7 | $15.4 million |
| FY2020 | withheld | withheld |
| FY2021 | 9 | $19.0 million |
| FY2022 | withheld | withheld |
| FY2023 | withheld | withheld |
| FY2024 | withheld | withheld |
| FY2025 | withheld | withheld |
| FY2026 | withheld | withheld |
Most active SBA lenders
| Lender | Loans | Dollars |
|---|---|---|
| Readycap Lending, LLC | 5 | $19.9 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
| County | Loans |
|---|---|
| Kitsap County, WA | 38 |
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.
The code is the borrower's industry. Truck stop or travel center cannot be split out. EV charging has no entry in the 2022 NAICS index.
Shared code: Truck stops and travel centers sit inside 457120 with gas stations that have no convenience store.
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 MA-14740-C01.
Related feasibility study pages
- Gas station and truck stop feasibility study company
- SBA Feasibility Study for a Gas Station: What the Lender Tests, and Two Worked Engagements
- Feasibility Study Data for the Bremerton-Silverdale-Port Orchard, WA Metro Area
- Gas Station Feasibility Study in Washington
- Washington feasibility study consultant
- Feasibility Study Data by Metro Area
- Feasibility studies for SBA 7(a) and 504 loans
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- Gas Station Feasibility Study in the Los Angeles-Long Beach-Anaheim, CA Metro Area
- Gas Station Feasibility Study in the Chicago-Naperville-Elgin, IL-IN Metro Area
- Restaurant Feasibility Study in the Bremerton-Silverdale-Port Orchard, WA Metro Area
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