Gas Station Feasibility Study in the Sacramento-Roseville-Folsom, CA Metro Area

Sizing up 107 Sacramento, CA loans

Sacramento, CA shows 107 approved gas station and truck stop loans across FY2017 to FY2026, worth $234.3 million in gross dollars. A midpoint loan is $1.9 million, with the central half spanning $1.1 million to $2.9 million. The median is 1.81x the national median for the class.

Rank 8 of 600: mix and counties in Sacramento

By program, 7(a) has 91 loans and 504 has 16. In Sacramento-Roseville-Folsom, 68.2% of the 107 loans belong to a franchise brand. Gas station and truck stop is 7 of 39 among local classes, and the area is 8 of 600 among areas for it. At 1.73x on the location quotient, the class takes a bigger share of local lending than it does nationwide. By county, Sacramento County, CA leads with 68 loans, then El Dorado County, CA with 17, Placer County, CA with 14 and Yolo County, CA with 8.

Lenders and floors behind 107 Sacramento, CA loans

Approvals were highest in FY2021 (16 loans, $37.9 million) and lowest in FY2025 (5 loans, $12.2 million). Under 7(a), Celtic Bank Corporation holds 23 loans and $61.7 million, Open Bank 8 loans and $18.5 million and US Metro Bank 7 loans and $18.3 million. SBA names Celtic Bank Corporation as the holder of those 23 loans, which describes its holdings and nothing about its requirements. Cancellation reached 17.4% at minimum and 17.4% at most among approvals from FY2017 to FY2024. No charge-off rate is printed here, because Loan Analytics applies its small-count rule; the blank is never a zero.

The Sacramento, CA study: demand, cost, coverage, appraisal at $2.9 million

Demand comes first: gas station and truck stop sales depend on gallons sold, the share of repeat customers and in-store sales, and no count of 107 loans settles those. On cost, a study should price the canopy, dispensers and tanks against the lease terms and contractors available at the site. It should stress cash flow with a $1.1 million loan and a $2.9 million loan, then check where coverage weakens. An appraiser will value the land, the in-store business and the tanks and dispensers separately, and a sound study would mirror that approach. The file's $234.3 million serves as a yardstick for scale; it forecasts nothing and promises no borrower approval.

Method for Sacramento's 107 loans

Each of the 107 loans is placed by project county. County names, Sacramento County, CA among them, are matched against the July 2023 delineation. The loans follow the applicant's industry code, which means travel centers cannot be separated from truck stops, and the 2022 industry index lists no entry for EV charging. The cancellation figures cover FY2017 to FY2024 approvals.