Feasibility Study Data for the Helena, MT Metro Area

Helena, MT in the national count, 181 loans

SBA files rank Helena 335 of 928 by loans: 181 approvals in FY2017 to FY2026, $98.0 million gross. Median loan: $250,000 in Helena, 1.20x the national median. That makes Helena a larger-ticket market. In Helena, the middle half of loans runs from $88,000 to $700,000. Because $88,000 and $700,000 frame the middle half, a Helena borrower should weigh any Helena request against $250,000.

Program mix in Helena: 163 under SBA 7(a) and 18 under SBA 504. As SBA flags them, 8.3% of Helena loans are franchise loans. Asset by asset, Helena shows limited-service restaurant with 7, automotive mechanical repair with 6 and fitness center with 6. A further 125 Helena loans sit in no named class in Helena. The class lines for Helena therefore never sum to 181. County by county, Helena reads Lewis and Clark County, MT with 148, Jefferson County, MT with 27 and Broadwater County, MT with 6 in Helena.

Helena, MT lender names, as SBA lists them in Helena

In Helena, these tables draw on SBA's file view in Helena of loans a firm in Helena keeps or kept in Helena, per the holder note, and say nothing of lender standards. Helena holders should be read that way. The Helena SBA 7(a) table opens with Glacier Bank with 46 loans worth $10.4 million; Ascent Bank with 20 loans worth $9.2 million; Opportunity Bank of Montana with 10 loans worth $9.2 million. Under SBA 504, Helena lists Big Sky Economic Development Corporation with 11 loans worth $5.7 million first. In Helena, concentration among top holders says little. A Helena study should stand on evidence alone in Helena.

Of Helena approvals from FY2017 to FY2024, at least 11.7% were cancelled after approval. Helena has a ceiling of 11.7% when undisbursed loans count as cancelled. In Helena, the charge-off rate for the funded loans in Helena of FY2017 to FY2021 stays withheld in Helena, the cohort being small; nothing is guessed, and Helena is not zero. Helena's busiest printed year was FY2025, with 30 loans. Loans count toward Helena via the county of the project, matched by the July 2023 delineation, meaning a loan whose county cannot be placed appears in no area. The 181 loans in Helena, MT include those in no named class in Helena.

Helena, MT: questions a study has to answer for Helena

Demand ranks first for Helena. Size the real catchment of that location, never Helena at large, then test a late opening in Helena. Helena cost comes next. $250,000 is the median ticket in Helena, a guide in Helena, however land and building need bids, adding a visible contingency for Helena. The Helena loan has to be serviceable. Test coverage at the requested size once more on conservative revenue, so the margin of safety shows in Helena. Appraisal closes the loop in Helena, so any rent figure needs to reconcile with value in Helena. In Helena, 181 loans spread over many neighbourhoods, and a Helena study must say which it targets. With Helena at 1.20x the national median in Helena, projects run large in Helena. The study must justify its project for Helena against $250,000.