Feasibility Study Data for the Macon-Bibb County, GA Metro Area

Large loans and a hotel lead

Macon-Bibb's loans are large against the country. Median loan in Macon: $475,000. Macon reads 2.28x against the national figure. Within Macon, half of loans are $150,000 to $1.3 million. The upper edge of the central half reaches $1.3 million. Of the measures printed here, only the median loan size departs from its comparators. SBA approved 263 loans across FY2017 to FY2026, $250.4 million gross, rank 264 of 928; 225 are 7(a) and 38 are 504. Brands hold 30.0% of the count.

Hotel and motel leads the asset table with 30 loans, far ahead of gas station and truck stop and limited-service restaurant at 14 each, full-service restaurant at 13 and car wash at 7; 147 loans sit outside the classes. With hotels this prominent and franchises at 30.0%, a Macon-Bibb study should price brand fees and improvement obligations, and weigh car-wash volume and equipment cost where that class is in play. Bibb County has 213 loans, Monroe County 29 and Jones County 15. Count was 17 loans and $14.1 million in FY2017, peaked at 35 loans and $43.9 million in FY2024 and fell to 14 loans and $10.9 million in FY2026.

Lenders on record

In Macon-Bibb, 23 loans and $18.3 million sit with The Huntington National Bank under 7(a); Metro City Bank has 21 loans and $28.0 million, and Northeast Bank (ME) 11 loans and $916,700. Florida Business Development Corporation holds 16 loans and $18.6 million on 504, and Capital Partners Certified Development Company 14 loans and $9.9 million. Macon lender figures are SBA's records. Macon names hold or held those loans. Macon counts show volume only, and Macon counts judge no lender or requirement.

Macon-Bibb floors and the study

In Macon, cancellations ran at least 10.1%. That covers Macon approvals FY2017 to FY2024. The Macon ceiling is withheld by Loan Analytics, as too few loans stand behind it. In Macon, 116 funded loans show charge-offs. Macon floors them at 6.0% or more. Loan Analytics withholds the five-year rate, as too few Macon loans stand behind it. Macon floors rise if open Macon loans go bad. Counties build Macon. By name, Macon matches each project's county; Macon follows the July 2023 delineation. Macon drops loans with unplaceable counties, and Macon counts approvals outside named classes. A Macon-Bibb study should test seasonal occupancy and rate, cost at large tickets, a weak-year debt service run and income-based value. Daniel Smith, MAI, signs every Macon study. Loan Analytics prepares each Macon study.