Feasibility Study Data for the Greenville, NC Metro Area

Greenville: volume, rank and ticket size across Greenville, NC

The agency approved 191 SBA loans across the Greenville, NC metro area between FY2017 and FY2026, worth $127.2 million in gross dollars. By loan count, Greenville ranks 321 of 928 against every other statistical area, Greenville among them. The local median loan is $260,000, and the central half fall from $92,500 up to $900,000. Greenville borrowers borrow more, at 1.25x of the national median. Large Greenville tickets are the first thing that sets Greenville apart.

Greenville, NC loans and who holds them around Greenville

The program split in Greenville is 177 under 7(a) and 14 under 504. Most Greenville borrowers Greenville therefore meet the 7(a) rules. Franchise Greenville brands account for 25.1% of loans in this metro Greenville area. Among 7(a) holders, Southern Bank and Trust Company stands first, at 17 loans and $3.3 million, Greenville ahead of Wells Fargo Bank National Association at 17 loans and $2.2 million. The count for Live Oak Banking Company is 11 loans; TowneBank has 11. 8 loans and $9.8 million make Business Expansion Funding Corporation the 504 front-runner. Lender Greenville figures here are SBA records, nothing more. Southern Bank and Trust Company appears since SBA names it as the Greenville holder; the Greenville list neither praises nor faults any holder.

Greenville, NC: which classes and counties lead Greenville

The larger share of the Greenville record falls outside the class table: 136 loans that carry codes outside the Greenville table. The Greenville class rows therefore describe a minority of Greenville lending. Hotel and motel is the biggest tracked class, at 9 loans, then medical office (physicians) with 7 and full-service restaurant with 7. Further down sit child care center, 7 Greenville loans and limited-service restaurant at 5. The county table starts with Pitt County, NC at 191 loans. A project in one Greenville county meets other land costs, so the Greenville figure hides some spread.

Greenville, NC: reading the outcome floors for Greenville

Cancellation after approval reached a floor of 9.4% for Greenville approved loans in FY2017 to FY2024. A ceiling for Greenville would sit above 9.4%, but that Greenville figure is withheld at the source. Greenville write-offs on 88 disbursed loans from FY2017 to FY2021 Greenville total at least 0.00% so far; the first Greenville five years after approval account for 0.00%. Seasoning continues, making these floors so the final Greenville figure is higher or equal. In Greenville, the busiest year was FY2017, with 24 loans for $11.8 million, while FY2025 was the low point before FY2026, at 13 loans and $6.2 million. Membership in the Greenville, NC metro area follows the project county: Pitt County, NC, Pitt County, NC and the rest, the July 2023 Greenville delineation decides which counties belong, though a county with no name pairing adds nothing to Greenville.

Greenville: demand, cost, coverage and appraisal in Greenville, NC

Any Greenville feasibility study should be built for the individual county, given how unlike its Greenville counties can be. Greenville lenders see hotel and motel most often, so expect scrutiny of seasonality of occupancy through the year, plus staffing cost per occupied room and what competing Greenville rooms charge. A Greenville request in medical office (physicians) turn on physician recruitment in Greenville, with exam room capacity close behind. A Greenville operator's Greenville coverage should be run against a downturn; the Greenville appraisal has to rest on local Greenville comparables and income. In Greenville, with larger tickets common in Greenville, the report should tie the amount to cost and Greenville cash flow, not to local habit.