Austin-Round Rock-San Marcos: grocery store lending

For Austin-Round Rock-San Marcos, during FY2017 to FY2026, SBA logged 30 grocery store loans, worth $51.9 million in gross dollars. In Austin-Round Rock-San Marcos, grocery store lending sits 15 of 39 in the ranking of classes; Austin-Round Rock-San Marcos sits at 24 of 412 across all metro and micro areas for grocery store loans. At 0.87x, Austin-Round Rock-San Marcos's location quotient puts grocery store below the nation. The median loan for Austin-Round Rock-San Marcos is $950,400. The central half of Austin-Round Rock-San Marcos loans extends from $389,000 to $2.7 million, and the median stands at 2.70x of the nationwide class median. Austin-Round Rock-San Marcos shows grocery lending with large loans in a class that is a lighter share of the local book: the median of $950,400 is 2.70x the class median nationally, while the location quotient is 0.87x. Grocery stands 15 of 39 in the local table and 24 of 412 across metro and micro areas, and The Huntington National Bank carries 8 loans worth $16.0 million.

The program counts and the franchise figure for Austin-Round Rock-San Marcos carry no value on this page, because Loan Analytics leaves out any number resting on fewer than 5 loans. Among the Austin-Round Rock-San Marcos holders the SBA 7(a) table lists The Huntington National Bank at $16.0 million over 8 loans. Austin-Round Rock-San Marcos's holder rows record present holders only. Austin-Round Rock-San Marcos applicants learn nothing about the lenders themselves from them. County by county: Travis County, TX has 16 loans.

Austin-Round Rock-San Marcos: years, floors and limits

For Austin-Round Rock-San Marcos, only some years can be printed: FY2018 has 7 loans worth $8.6 million. In FY2017 and FY2019, Austin-Round Rock-San Marcos shows 0 loans and $0. Withheld for Austin-Round Rock-San Marcos: FY2020 to FY2026. Austin-Round Rock-San Marcos's withheld years do not mean none. Austin-Round Rock-San Marcos's cancellation rate: not published, short of 30 loans. Any Austin-Round Rock-San Marcos charge-off rate: not given, below 30 loans. Austin-Round Rock-San Marcos uses Loan Analytics' own cut-off. Austin-Round Rock-San Marcos has a short FY2017 to FY2021 cohort. Austin-Round Rock-San Marcos takes the 2023 July list. Austin-Round Rock-San Marcos assigns each loan by county. Austin-Round Rock-San Marcos leaves out unmatched loans.

Austin-Round Rock-San Marcos: what to test

Austin grocery plans begin with the store's draw: households reachable by car from the site, the supermarkets and small formats already serving them, and the sales per square foot the format can reach. A loan near $950,400 usually means real estate and equipment together, so price the building, refrigeration and fixtures and show the lender what each carries. Margin, shrink and labor belong in the forecast, and an appraiser will test whether income supports a going-concern value.

SBA grocery store loans in the Austin-Round Rock-San Marcos, TX Metro Area

Loans approved, FY2017 to FY2026	30
Gross dollars approved	$51.9 million
Median loan	$950,400
Middle half of loans, from	$389,000
Middle half of loans, to	$2.7 million
SBA 7(a) loans	withheld
SBA 504 loans	withheld
Franchise share of loans	withheld
Rank among metro and micro areas for grocery store loans	24 of 412
Rank of grocery store among the classes in this area	15 of 39
Location quotient (share of loans against the national share)	0.87x
Median loan against the national median for the class	2.70x

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 grocery store loans approved in the Austin-Round Rock-San Marcos, TX Metro Area, by fiscal year

Fiscal year	Loans	Dollars
FY2017	0	$0
FY2018	7	$8.6 million
FY2019	0	$0
FY2020	withheld	withheld
FY2021	withheld	withheld
FY2022	withheld	withheld
FY2023	withheld	withheld
FY2024	withheld	withheld
FY2025	withheld	withheld
FY2026	withheld	withheld

Most active SBA lenders

SBA 7(a): lenders by loans approved (the current holder of each loan, as SBA reports it)
Lender	Loans	Dollars
The Huntington National Bank	8	$16.0 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
Travis County, TX	16

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.

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-12420-C40.

Related feasibility study pages

Loan Analytics prepares the feasibility study a lender reads before it commits: for a grocery store project in the Austin-Round Rock-San Marcos, TX 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.

Daniel Smith, MAI

Grocery Store Feasibility Study in the Austin-Round Rock-San Marcos, TX Metro Area