Feasibility Study Data for the Jefferson, GA Micro Area

Jefferson: volume, rank and ticket size across Jefferson, GA

The agency approved 119 SBA loans for Jefferson projects from FY2017 through FY2026, carrying $117.2 million across every asset class. Jefferson holds rank 433 of 928 against every other statistical area, Jefferson among them. A typical Jefferson loan is $500,000; the middle half of Jefferson approvals run from $150,000 to $1.3 million. Jefferson borrowers borrow more, at 2.40x of the national median. Large Jefferson tickets are the first thing that sets Jefferson apart.

Jefferson, GA loans and who holds them around Jefferson

The micro area shows 102 loans under 7(a), against 17 under 504; in Jefferson, 7(a) carries the larger proportion. The franchise share of Jefferson loans is 19.3% in this micro area. Wells Fargo Bank National Association tops the 7(a) Jefferson table at 11 loans and $836,400. 7 loans and $3.8 million belong to United Community Bank (SC), in second place. Further down, Northeast Bank (ME) shows 6 loans, with 5 more at Metro City Bank. On 504, Small Business Access Partners, Inc. comes first: 7 loans, $10.7 million. These are SBA's records of Jefferson loans held or once held. In Jefferson, the line for Wells Fargo Bank National Association appears as the Jefferson holder SBA reports; the Jefferson list neither praises nor faults any holder.

Jefferson: class and county mix across Jefferson, GA

Most of the Jefferson total sits outside the tracked asset classes: 70 loans that carry codes outside the Jefferson table. The Jefferson class rows therefore describe a minority of Jefferson lending. The Jefferson class table opens with full-service restaurant, 7 loans, then limited-service restaurant with 7, and hotel and motel at 5. Jackson County, GA is the largest source of loans, with 119. Demand differs between these counties, so the Jefferson figure hides some spread.

Jefferson: outcome rates, trend and data limits in Jefferson, GA

Looking at FY2017 to FY2024 approvals, Jefferson cancellations came to at least 10.7%. A ceiling for Jefferson would sit above 10.7%, but as the Jefferson number is held Jefferson back at the source. The Jefferson charge-off rate is withheld: too few Jefferson loans reached the funded cohort, so Jefferson gets no Jefferson rate, and a blank Jefferson never means none. Annual Jefferson approvals peaked in FY2025 at 22 loans and $17.1 million, and the quietest Jefferson year before FY2026 was FY2018, at 9 loans and $9.1 million. A loan joins the Jefferson, GA figures through its project county, as with Jackson County, GA or Jackson County, GA, counties are assigned under the July 2023 Jefferson delineation, while any county the Jefferson name match misses is omitted from Jefferson.

Jefferson: demand, cost, coverage and appraisal in Jefferson, GA

A study for a Jefferson project has to be drafted for the specific county, because the micro Jefferson area total blends different markets. In Jefferson, with full-service restaurant first in the Jefferson class table, the study should check the lease term against payback, seats against realistic covers and Jefferson dining rooms and their weeknight trade. A Jefferson request in limited-service restaurant depend on build-out Jefferson cost for a small box and on competing quick-service sites nearby. Cash flow for a Jefferson loan has to clear even if sales dip; the appraisal needs local sales and Jefferson rents behind it. Since Jefferson loans skew large, the Jefferson study should tie the amount to the Jefferson project and not to the area.