Feasibility Study Data for the Los Angeles-Long Beach-Anaheim, CA Metro Area

Los Angeles-Long Beach-Anaheim scale: counts, dollars and typical loans in Los Angeles, CA

32,584 SBA approvals landed here across the Los Angeles, CA metro area over FY2017 to FY2026, and $23.49 billion in gross dollars stands behind them. The metro area sits at 2 of 928 out of all areas nationwide, with Los Angeles-Long Beach-Anaheim one of them. The local median loan is $350,000, and the central half fall from $119,000 up to $909,625. The national comparison favors bigger tickets: at 1.68x of the national median. That big-loan profile is what separates the metro area from the nation.

Los Angeles, CA: 7(a), 504 and the holders behind Los Angeles-Long Beach-Anaheim

The program split in Los Angeles-Long Beach-Anaheim is 27,596 under 7(a) and 4,988 under 504, so real estate-secured 504 lending plays the smaller part. Franchise brands account for 5.9% of loans in this metro area. The largest 7(a) holder by loans is U.S. Bank, National Association, with 2,921 loans worth $1.19 billion; next is Wells Fargo Bank National Association, 1,912 loans for $756.9 million. 1,756 loans sit with JPMorgan Chase Bank, National Association, with 1,458 more at Bank of Hope. Under 504, Business Finance Capital is the lead holder with 1,479 loans and $2.05 billion, with California Statewide Certified Development Corporation second at 1,017 loans. Each lender count reflects what SBA shows as held, now or before. The line for U.S. Bank, National Association appears where SBA gives it as the holder; no row states what any lender requires.

Los Angeles, CA: the class table and county table for Los Angeles-Long Beach-Anaheim

The larger share of the Los Angeles-Long Beach-Anaheim record falls outside the class table: 24,188 loans that carry codes outside the table. Class figures here cover only part of the area. The class table opens with full-service restaurant, 1,635 loans, ahead of limited-service restaurant at 1,063 and dental office with 654. Lower in the table come liquor store with 642 and medical office (physicians) at 611. By county, Los Angeles County, CA accounts for 23,795 loans, followed by Orange County, CA with 8,789. Land, rents and rivals vary by county, so the Los Angeles-Long Beach-Anaheim figure hides some spread.

Los Angeles, CA: the floors, the trend and the caveats for Los Angeles-Long Beach-Anaheim

Cancellation after approval reached a floor of 11.9% for Los Angeles-Long Beach-Anaheim approvals in FY2017 to FY2024. The upper bound, with every undisbursed loan counted as cancelled, reaches 13.0%. So far, 6.5% of 13,546 FY2017 to FY2021 disbursed loans have been charged off, at a minimum; the first five years after approval account for 4.2%. Loans keep aging, which keeps these rates as floors, where a later reading can add but never subtract. The busiest year was FY2025, with 4,451 loans for $2.74 billion. FY2022, with 2,508 loans and $2.31 billion, was the weakest year before FY2026. Los Angeles-Long Beach-Anaheim is built from project counties such as Los Angeles County, CA; the 2023 map of statistical areas sets the border, yet Los Angeles-Long Beach-Anaheim counties that resist matching stay out of all totals.

Los Angeles-Long Beach-Anaheim: demand, cost, coverage and appraisal in Los Angeles, CA

A study for a Los Angeles-Long Beach-Anaheim project has to be written for the project's own county, because the counties inside the metro area are not alike. The top class by count is full-service restaurant, which means it has to examine the lease term against payback and how Los Angeles-Long Beach-Anaheim diners split by daypart, then kitchen capacity against peak service. For limited-service restaurant, the next class in Los Angeles-Long Beach-Anaheim, depend on franchise fees against thin margins and on queue length at the lunch rush. Cash flow for a Los Angeles-Long Beach-Anaheim loan must hold in a soft year; the valuation must lean on nearby sales, not distant averages. Since Los Angeles-Long Beach-Anaheim loans skew large, the study should tie the amount to what the site earns, whatever the area norm.