What SBA's own loan files show about hotel and motel lending in the Greensboro-High Point, NC Metro Area, and what a feasibility study for a project there has to test.
Hotels and motels rank 1 of 39 asset classes in the Greensboro-High Point metro area, and a location quotient of 3.40x shows their weight at over three times the national share of local lending. Across FY2017 to FY2026 SBA lists 51 loans to hotels and motels, with $126.1 million approved. Greensboro's median of $2.3 million sits at 1.04x the national mark, between quartile edges of $1.4 million and $3.4 million. Greensboro lands 31 of 807 for hotel and motel volume.
Franchise share is 70.6%, so seven in ten loans carry a flag. Hotels and motels share one code, so an economy inn and a full-service property are indistinguishable in these 51 loans. Greensboro shows no program breakdown: Loan Analytics withholds both the 7(a) and the 504 tally. Guilford County, NC accounts for 33 loans, with Randolph County, NC and Rockingham County, NC at 9 each, so these three counties hold all 51.
PromiseOne Bank is the only name to clear the listing line, as 7(a) holder of record on 9 loans worth $13.3 million; SBA's records show holdings and offer no view of the bank. FY2017 had 5 loans and $9.4 million, FY2018 had 7 and $11.6 million, FY2019 had 6 and $11.2 million, FY2022 had 6 and $19.7 million, and FY2024 had 5 and $17.7 million. Five years, FY2020, FY2021, FY2023, FY2025 and FY2026, do not print.
No Greensboro hotel cancellation rate or charge-off rate is shown; the 51 loans leave both cohorts thin, and a thin cohort is not a zero. Each project county, read by name, must sit in the July 2023 area for its loan to count.
A hotel study here has to test demand from the ground up: who stays, in which seasons, and what competing properties charge. Because the 51 loans share one code, the plan should name which kind of property it is: an economy inn, a limited-service property or a full-service hotel, since the figures cannot tell them apart. Occupancy and rate assumptions must be built from the competitive set, and the brand's required property improvements priced into cost. Loans centered near $2.3 million call for a slow-ramp stress on debt service and an appraisal that prices the land, the building, the furniture and the flag separately.
| Loans approved, FY2017 to FY2026 | 51 |
|---|---|
| Gross dollars approved | $126.1 million |
| Median loan | $2.3 million |
| Middle half of loans, from | $1.4 million |
| Middle half of loans, to | $3.4 million |
| SBA 7(a) loans | withheld |
| SBA 504 loans | withheld |
| Franchise share of loans | 70.6% |
| Rank among metro and micro areas for hotel and motel loans | 31 of 807 |
| Rank of hotel and motel among the classes in this area | 1 of 39 |
| Location quotient (share of loans against the national share) | 3.40x |
| Median loan against the national median for the class | 1.04x |
| Cancelled after approval, FY2017 to FY2024 approvals (a floor) | withheld |
|---|---|
| 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 hotel and motel loans approved in the Greensboro-High Point, NC Metro Area, by fiscal year
| Fiscal year | Loans | Dollars |
|---|---|---|
| FY2017 | 5 | $9.4 million |
| FY2018 | 7 | $11.6 million |
| FY2019 | 6 | $11.2 million |
| FY2020 | withheld | withheld |
| FY2021 | withheld | withheld |
| FY2022 | 6 | $19.7 million |
| FY2023 | withheld | withheld |
| FY2024 | 5 | $17.7 million |
| FY2025 | withheld | withheld |
| FY2026 | withheld | withheld |
| Lender | Loans | Dollars |
|---|---|---|
| PromiseOne Bank | 9 | $13.3 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.
| County | Loans |
|---|---|
| Guilford County, NC | 33 |
| Randolph County, NC | 9 |
| Rockingham County, NC | 9 |
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.
One code for hotels and motels; limited service and full service cannot be separated.
Shared code: Hotels and motels share 721110.
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-24660-C07.
A worked example of the feasibility study a lender would read for a hotel project in North Carolina, financed with a conventional bank loan.
Loan Analytics prepares the feasibility study a lender reads before it commits: for a hotel and motel project in the Greensboro-High Point, NC 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.
Start with the data.
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