Feasibility Study Data for the Manitowoc, WI Micro Area

Manitowoc scale: counts, dollars and typical loans in Manitowoc, WI

SBA approved 219 loans for projects in the Manitowoc, WI micro area over FY2017 to FY2026, carrying $124.8 million across every asset class. Manitowoc holds rank 298 of 928 against every other statistical area, Manitowoc among them. Loan size centers on $250,000, while the middle half span $105,000 to $650,000. Manitowoc borrowers borrow more, at 1.20x of the national median. Manitowoc loan size is simply larger than the national figure.

Manitowoc, WI loans and who holds them around Manitowoc

The micro area shows 196 loans under 7(a), against 23 under 504. Manitowoc is mainly a 7(a) market. Franchise brands account for 11.0% of loans. On the 7(a) side, Nicolet National Bank leads with 59 loans and $24.1 million, followed by Bank First, N.A. with 36 loans and $13.0 million. Further down, Associated Bank National Association shows 11 loans, then 10 for UnitedOne Credit Union. No 504 holder in Manitowoc reaches the five-loan Manitowoc line needed to be named. Each lender line mirrors the holder field SBA keeps, whether current or earlier. Nicolet National Bank appears as the holder SBA reports; no line describes how Bank First, N.A. treats borrowers.

Manitowoc, WI: classes and counties inside Manitowoc

The larger share of the Manitowoc record falls outside the class table: 155 loans that carry codes outside the Manitowoc table. The Manitowoc class rows therefore describe a minority of Manitowoc lending. The Manitowoc class table opens with full-service restaurant, 15 loans, then hotel and motel with 7, and limited-service restaurant at 5. Further Manitowoc down sit coffee shop and snack bar, 5 loans. The county table starts with Manitowoc County, WI at 219 loans.

Manitowoc: outcome rates, trend and data limits in Manitowoc, WI

A minimum of 8.7% of Manitowoc approvals from FY2017 to FY2024 never funded; no ceiling is published beside the 8.7% floor, because Loan Analytics withholds it under its small-count rule, and we do not estimate it. No charge-off rate is shown for Manitowoc: the Manitowoc funded cohort has under 30 loans, so Loan Analytics prints no rate, and a gap never means none. Annual approvals peaked in FY2021 at 36 loans and $25.5 million, and the quietest Manitowoc year before FY2026 was FY2022, at 14 loans and $8.1 million. Manitowoc is built from project counties such as Manitowoc County, WI, counties are assigned under the July 2023 Manitowoc delineation, with Manitowoc counties matched by name.

Manitowoc projects and the study behind them in Manitowoc, WI

In Manitowoc, plan the study around the project's own county. Full-service restaurant is the largest tracked class in Manitowoc, so the report should test the lease term against payback, how Manitowoc diners split by daypart and liquor licence timing and cost. Projects in hotel and motel here hinge on room-night demand by segment and on corporate and leisure demand mix. Cash flow for a Manitowoc loan has to survive a poor year; the Manitowoc appraisal has to rest on local Manitowoc comparables and income. With bigger tickets common in Manitowoc, the Manitowoc study should tie the amount to the Manitowoc project and not to the area.