Feasibility Study Data for the Lynchburg, VA Metro Area

An independent city in the count

Lynchburg's county table includes Lynchburg city itself with 81 loans, ahead of Bedford County at 62 and Campbell County at 44, and the city is counted beside the counties. SBA approved 224 loans across FY2017 to FY2026, $113.1 million gross, rank 294 of 928; 197 are 7(a) and 27 are 504. Median loan in Lynchburg: $241,000. Lynchburg reads 1.16x against the national figure. Within Lynchburg, half of loans are $90,075 to $500,000. Brands hold 12.1% of the count.

Only three classes appear in the asset table: full-service restaurant with 11 loans, limited-service restaurant with 10 and fitness center with 9, against 157 loans outside the classes. Count was 22 loans and $8.8 million in FY2017, a peak of 33 loans and $21.9 million in FY2025 and a low of 16 loans and $5.4 million in FY2026. The First Bank and Trust Company holds 26 loans and $7.6 million under 7(a), Central Virginia Federal Credit Union 17 loans and $1.2 million and Select Bank 15 loans and $8.2 million. The page lists no 504 lender. Because so few classes are named, a Lynchburg project cannot lean on a class benchmark; a fitness study, for one, must test membership churn and the lease term against buildout cost. Lynchburg lists come from SBA's holder records. Lynchburg names hold or held the loans shown. Lynchburg volume is no lender's verdict. Lynchburg counts state no requirement.

Lynchburg floors and the study

Lynchburg cancellations after approval reached at least 14.9%. Lynchburg approvals span FY2017 to FY2024. Lynchburg withholds its ceiling for loans never disbursed. Lynchburg lacks loans to support it. In Lynchburg, 85 funded loans show charge-offs. Lynchburg floors them at 7.1% or more. Lynchburg withholds the five-year rate. Too few Lynchburg loans support it. Every Lynchburg rate here is a floor, as open Lynchburg loans may move it. Lynchburg follows county placement. Lynchburg matches each project's county by name. Lynchburg then applies the July 2023 delineation. Lynchburg leaves out loans with unplaceable counties, and Lynchburg counts all approvals, named or not. A Lynchburg study should say whether the site lies in the city or a county, then test demand and cost and set value against sales nearby. Daniel Smith, MAI, signs every Lynchburg study. Loan Analytics prepares each Lynchburg study.