Feasibility Study Data for the Jefferson City, MO Metro Area

Jefferson City, MO in the national count, 224 loans

SBA files rank Jefferson City 294 of 928 by loans: 224 approvals in FY2017 to FY2026, $106.6 million gross. Median loan: $150,000 in Jefferson City, 0.72x the national median. That makes Jefferson City a smaller-ticket market. In Jefferson City, the middle half of in Jefferson City loans runs from $50,000 to $372,950. Because $50,000 and $372,950 frame the middle half, a Jefferson City borrower should weigh any Jefferson City request against $150,000 in Jefferson City.

Program mix in Jefferson City: 196 under SBA 7(a) and 28 under SBA 504. As SBA flags them, 9.4% of Jefferson City loans are franchise loans. Asset by asset, Jefferson City shows full-service restaurant with 10, limited-service restaurant with 9 and fitness center with 7. A further 164 Jefferson City loans sit in no named class in Jefferson City. The class lines for Jefferson City therefore never sum to 224. County by county, Jefferson City reads Cole County, MO with 120, Callaway County, MO with 84 and Moniteau County, MO with 11 in Jefferson City.

Jefferson City, MO lender names, as SBA lists them in Jefferson City

In Jefferson City, holder lists use SBA's reporting on in Jefferson City loans a holder in Jefferson City keeps or kept in Jefferson City, in the holder field, and say nothing of lender standards. Jefferson City holders should be read that way. The Jefferson City SBA 7(a) table opens with The Central Trust Bank with 46 loans worth $12.8 million; Hawthorn Bank with 41 loans worth $10.6 million; The Callaway Bank with 33 loans worth $3.8 million. Under SBA 504, Jefferson City lists Rural Missouri, Inc. with 14 loans worth $5.5 million first. In Jefferson City, the top holder leads the rest. A Jefferson City borrower may still approach any lender in Jefferson City.

Of Jefferson City approvals from FY2017 to FY2024, at least 15.6% were cancelled after approval. The Jefferson City ceiling, counting loans still to disburse as cancelled stays unprinted for Jefferson City, as withheld. In Jefferson City, 8.0% of the 113 loans disbursed in FY2017 in Jefferson City to FY2021 are charged off to date, a floor; the five-year measure is withheld. Jefferson City's busiest printed year was FY2017, with 41 loans. Jefferson City membership follows whichever county the project names using the July 2023 delineation, therefore a loan whose county cannot be placed is dropped from all areas. The 224 loans in Jefferson City, MO include those in no named class in Jefferson City.

Jefferson City, MO: questions a study has to answer for Jefferson City

Start with demand in Jefferson City. Show the draw of the project address alone, then test a late opening in Jefferson City. Cost needs care in Jefferson City. The norm of $150,000 is only a guide, while each line belongs on a quote, adding a visible contingency for Jefferson City. Coverage of the Jefferson City loan payment follows. Run the ratio at the proposed amount once more on conservative revenue, saying how far Jefferson City revenue can fall. Lenders in Jefferson City also rely on appraisals, so the study's rent and caps needs to reconcile with value in Jefferson City. Inside Jefferson City, MO, submarkets differ widely. Its 224 loans average across them all, so a Jefferson City study must name the Jefferson City submarket it means in Jefferson City. At 0.72x of the national median, Jefferson City projects run modest in Jefferson City. A large project must show why Jefferson City can absorb its scale, against $150,000.