Grocery Store Feasibility Study in the Tampa-St. Petersburg-Clearwater, FL Metro Area
What SBA's own loan files show about grocery store lending in the Tampa-St. Petersburg-Clearwater, FL Metro Area, and what a feasibility study for a project there has to test.
Grocery store loans in St. Petersburg and Clearwater at a glance
St. Petersburg and Clearwater reports FY2017 to FY2026 approvals: 27 grocery store loans, $25.8 million gross. On grocery store, St. Petersburg and Clearwater stands 26 of 412 among ranked areas. Within St. Petersburg and Clearwater, grocery store is 16 of 39. St. Petersburg and Clearwater's quotient is 0.59x: grocery store below the national share.
St. Petersburg and Clearwater size and franchise status
Loan size in St. Petersburg and Clearwater centres on $525,000, and its middle half runs between $180,000 and $1.5 million. St. Petersburg and Clearwater stands at 1.49x against the national class median. St. Petersburg and Clearwater loans run above the national middle. St. Petersburg and Clearwater shows no 7(a) count. St. Petersburg and Clearwater shows no 504 count either. St. Petersburg and Clearwater: too few loans back either count. St. Petersburg and Clearwater franchise share of loans is 0.00%. St. Petersburg and Clearwater loans run larger. St. Petersburg and Clearwater borrowers carry a heavier payment, which St. Petersburg and Clearwater studies test.
St. Petersburg and Clearwater loan holders and counties
No holder in St. Petersburg and Clearwater clears the listing bar. Grocery store paper in St. Petersburg and Clearwater is spread thin. St. Petersburg and Clearwater borrowers lead with the study itself. St. Petersburg and Clearwater has one county, Hillsborough County, FL, with all 20 loans.
St. Petersburg and Clearwater years and grocery store coding limits
St. Petersburg and Clearwater floors follow Loan Analytics' own rule. That St. Petersburg and Clearwater cohort holds fewer than 30 loans. The St. Petersburg and Clearwater cohort covers FY2017 to FY2021 disbursements. So St. Petersburg and Clearwater prints no cancellation floor. So St. Petersburg and Clearwater prints no charge-off floor. St. Petersburg and Clearwater's blank floor is no zero. St. Petersburg and Clearwater borrowers learn little from it. Any St. Petersburg and Clearwater rate that prints is a floor. St. Petersburg and Clearwater follows July 2023 boundaries. St. Petersburg and Clearwater places loans by project county. St. Petersburg and Clearwater drops loans lacking a placeable county.
St. Petersburg and Clearwater: what a study must prove
St. Petersburg and Clearwater grocery store requests start from the $525,000 median, a first yardstick in St. Petersburg and Clearwater. A St. Petersburg and Clearwater grocery plan must show how weekly deliveries, backroom space and cold storage fit the building the loan would finance. In St. Petersburg and Clearwater, we would test the owner's experience with fresh departments, since meat and produce make or lose the margin. A study for St. Petersburg and Clearwater also tests payroll against store hours, because staffing a grocery store is a fixed cost from opening day. Daniel Smith, MAI, signs each St. Petersburg and Clearwater study. St. Petersburg and Clearwater demand and cost come first. In St. Petersburg and Clearwater, coverage follows, then the appraisal. No St. Petersburg and Clearwater approval is promised by any study.
SBA grocery store loans in the Tampa-St. Petersburg-Clearwater, FL Metro Area
| Loans approved, FY2017 to FY2026 | 27 |
|---|---|
| Gross dollars approved | $25.8 million |
| Median loan | $525,000 |
| Middle half of loans, from | $180,000 |
| Middle half of loans, to | $1.5 million |
| SBA 7(a) loans | withheld |
| SBA 504 loans | withheld |
| Franchise share of loans | 0.00% |
| Rank among metro and micro areas for grocery store loans | 26 of 412 |
| Rank of grocery store among the classes in this area | 16 of 39 |
| Location quotient (share of loans against the national share) | 0.59x |
| Median loan against the national median for the class | 1.49x |
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.
Approvals by fiscal year are withheld for this area, so that no year of fewer than 5 loans can be derived.
Where the loans are, by county
| County | Loans |
|---|---|
| Hillsborough County, FL | 20 |
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-45300-C40.
Related feasibility study pages
- Grocery store feasibility study company
- Feasibility Study Data for the Tampa-St. Petersburg-Clearwater, FL Metro Area
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- Feasibility Study Data by Metro Area
- SBA feasibility study company
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Loan Analytics prepares the feasibility study a lender reads before it commits: for a grocery store project in the Tampa-St. Petersburg-Clearwater, FL 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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