Liquor Store Feasibility Study in the Phoenix-Mesa-Chandler, AZ Metro Area

Liquor store loans in Phoenix-Mesa-Chandler

Liquor stores are a minor class in Phoenix-Mesa-Chandler, 19 of 39 in the local ranking and 0.27x on the location quotient, yet their loans are large, at 1.67x the national median. Between FY2017 and FY2026, SBA approved 28 loans for liquor stores in Phoenix-Mesa-Chandler, AZ, $23.9 million in all. Phoenix-Mesa-Chandler, AZ places 34 of 426 nationally for this class; the class is 19 of 39 locally. A 0.27x location quotient means the Phoenix-Mesa-Chandler mix leans away from liquor stores, compared with the nationwide mix. Phoenix-Mesa-Chandler loan size runs high: $750,500 at the median, 1.67x the national median for liquor stores.

The middle half of Phoenix-Mesa-Chandler loans runs from $424,250 to $1.0 million. A project needing far more than $1.0 million would sit outside the usual Phoenix-Mesa-Chandler band. Loan Analytics withholds the program split for Phoenix-Mesa-Chandler, AZ; no 7(a) or 504 count shows. The Phoenix-Mesa-Chandler franchise share of loans is 0.00%. $750,500 is the median in Phoenix-Mesa-Chandler. Half of loans land between $424,250 and $1.0 million. Branded or independent: the study must say. Program fit has to be shown, not assumed.

Phoenix-Mesa-Chandler: holders, places and years

Year by year, FY2019 shows 9 loans and $4.1 million. The rest are not printed. Small Phoenix-Mesa-Chandler counts explain the gaps. No gap is a zero. The printed years show no trend. Sponsors should know the Phoenix-Mesa-Chandler record first. Local evidence completes the picture.

Testing a liquor store project in Phoenix-Mesa-Chandler

Cancellation and charge-off rates: none for Phoenix-Mesa-Chandler liquor stores. The cohort is under Loan Analytics' floor. None is shown as zero. Phoenix-Mesa-Chandler is defined by the 2023 delineation. Loans reach an area via county. The comparison runs on names. Unmatched loans are dropped from every area. 28 approved loans carry $23.9 million in Phoenix-Mesa-Chandler. No total replaces the project. A study for a liquor store in Phoenix-Mesa-Chandler has to test licensing rules and timing; security and shrink; visibility and access at the site; households in the trade area; margin after labor and occupancy; sales needed to cover debt service; cooler and fixture cost set beside the $750,500 median loan; and value of license, real estate and business. The record implies no approval in Phoenix-Mesa-Chandler. Context is all that the record gives. The study should keep apart what the building is worth and what the license and stock are worth, since a lender will care how each is supported.