Feasibility Study Data for the Jamestown-Dunkirk, NY Micro Area

Lending in outline for Jamestown-Dunkirk

214 approvals inside Jamestown-Dunkirk, NY between FY2017 to FY2026 total $62.5 million gross. Then, Jamestown-Dunkirk places 300 of 928 against all CBSAs counted by loans. In practice, $75,000 is the midpoint; the bulk of loans runs from $25,000 to $226,500. For context, the median in Jamestown-Dunkirk stands at 0.36x compared with the country's median, so tickets run below the figure for the nation. Jamestown-Dunkirk counts only its own counties, and never a mix of unrelated markets: 214 loans in all.

Lenders and programs in Jamestown-Dunkirk

206 loans in 7(a) sit beside 8 SBA 504 loans. Then, 4.7% of all approvals involve franchisees in this area. Under 7(a) loans, the largest names by number are Manufacturers and Traders Trust Company with 95 loans totalling $11.8 million, Five Star Bank (NY) holding 33 loans for $9.3 million, plus Northwest Bank (PA) with 17 loans for $1.3 million. Across 504 lending, the top 504 companies by approvals stand as Empire State Certified Development Corporation holding 8 loans and $3.6 million. Next, all the names follow SBA files for 214 approvals; they describe past loans only, not what lenders want around Jamestown-Dunkirk.

The classes behind the loans in Jamestown-Dunkirk

15 in full-service restaurant, 6 in limited-service restaurant; and automotive mechanical repair at 5 lead the named classes in loan count. Next, 167 loans sit outside all named classes, so the Jamestown-Dunkirk total reaches beyond any class table. Here, Chautauqua County holds all of 214 approvals, which makes area and county match. Beyond that, taking each approval year, FY2017 starts at 33 loans and $10.3 million; no year beats the opening one, while FY2026 finishes the tally at 28 loans and $11.2 million.

What the floors allow in Jamestown-Dunkirk

12.7% among FY2017 to FY2024 approvals in Jamestown-Dunkirk were cancelled before disbursement, and that is a floor. Next, Loan Analytics withholds the ceiling here, leaving the floor alone. Here, the charge-off rate for Jamestown-Dunkirk, NY is withheld by Loan Analytics because the FY2017 to FY2021 cohort is under 30 loans, and a missing figure is never a zero. In practice, read every rate above as a floor, because loans approved recently got scant time to cancel or default, across 214 loans. Worth noting: an area on the page means the statistical area which includes every loan's home county, under the July 2023 boundaries as adopted; project counties get matched using the name, but an approval whose home county has no CBSA drops out of every area total without exception. In a class or out of one, every approval in either program across Jamestown-Dunkirk counts into its $62.5 million total.

Testing a project in Jamestown-Dunkirk

In Jamestown-Dunkirk, any serious study covering a project should open with the subject property, never the 214-loan file. In addition, market demand in Jamestown-Dunkirk is tested first: will Jamestown-Dunkirk's household base support the volume needed, measured against nearby supply in and near Chautauqua County? The median here stands at 0.36x against the country's median, so most loans here run small; a project well above them should demonstrate comparable deals justify its size. Next, the coverage test links revenue to cost for Jamestown-Dunkirk: forecast income compared with the payments due, and a downside case. Also, finally, the appraisal settles the question in this area: value as built must cover the amount sought. Then, a sponsor armed with a third-party feasibility study for Jamestown-Dunkirk, before approaching the lenders above, has met the floors up front; approval is for the lender and the agency for Jamestown-Dunkirk, whatever the study finds.