Feasibility Study Data for the Lebanon, PA Metro Area

Lebanon: volume, rank and ticket size across Lebanon, PA

SBA approved 109 loans across the Lebanon, PA metro area between FY2017 and FY2026, and $54.4 million in gross dollars stands behind them. Lebanon holds rank 450 of 928, Lebanon, among all metro and micro areas, counting Lebanon. Loan size centers on $150,000, whereas the middle Lebanon half span $50,000 to $500,000. Lebanon borrowers borrow less, because 0.72x is the local Lebanon median against the national median. Smaller Lebanon tickets are the first thing that sets Lebanon apart.

Lebanon lenders and the programs they use in Lebanon, PA

The 7(a) and 504 counts for Lebanon are withheld at the source because few loans stand behind either, so no number replaces them here. The franchise share of Lebanon loans is 10.1% in this metro area. In Lebanon, on the 7(a) Lebanon side, Manufacturers and Traders Trust Company leads with 23 loans and $4.8 million, followed by Fulton Bank, National Association with 12 loans and $9.6 million. Also in the 7(a) table: Beacon Bank and Trust at 8 loans, with 6 more at BayFirst National Bank. Lender Lebanon figures here are SBA records, nothing more. Manufacturers and Traders Trust Company Lebanon appears because SBA names it as the Lebanon holder; no row describes how Fulton Bank, National Association treats borrowers.

Lebanon by asset class and by county in Lebanon, PA

The larger share of the Lebanon record falls outside the class table: 87 loans that carry codes outside the Lebanon table. The Lebanon class rows therefore describe a minority of Lebanon lending. By county, Lebanon County, PA accounts for 109 loans. Demand differs between these Lebanon counties, so the Lebanon figure hides some spread.

Lebanon: cancellations, charge-offs and caveats in Lebanon, PA

A minimum of 0.00% of Lebanon approvals made in FY2017 to FY2024 not funded. A ceiling for Lebanon would sit above 0.00%, but that Lebanon figure is withheld at the source. The Lebanon charge-off rate is withheld: too few Lebanon loans reached the funded cohort, so Lebanon gets no Lebanon rate, and a blank never means none. FY2018 was the high point: 17 loans worth $11.8 million, whereas FY2020 was the low Lebanon point before FY2026, at 8 loans and $1.6 million. Years that rest on very few Lebanon loans are withheld from the Lebanon table, and no stand-in Lebanon figure is supplied for them. Lebanon is built from project counties such as Lebanon County, PA; counties are assigned under the July 2023 Lebanon delineation, with Lebanon counties matched by name.

Lebanon, PA: what a study for a Lebanon project must prove

Any Lebanon feasibility report should be built for the particular Lebanon county, since area totals mix several markets. Debt service coverage in Lebanon needs to sit up to a slow Lebanon season; the appraisal needs local sales and Lebanon rents behind it. Since Lebanon loans Lebanon skew small, a larger request will draw issues the analysis should answer first.