Feasibility Study Data for the Medford, OR Metro Area

Medford, OR: SBA lending volume and loan size in Medford

Ranked 159 of 928 by loans, Medford drew 522 approvals between FY2017 and FY2026, $235.3 million gross. A median of $126,550 in Medford sits at 0.61x the national median, below the usual ticket. Medford loans in the middle in Medford half fall from $50,000 to $498,125. With $50,000 and $498,125 bounding the middle half in Medford, no single benchmark fits every project in Medford.

In Medford, 478 approvals are SBA 7(a) loans; 44 are SBA 504 loans. Medford franchise share of loans is 8.0%. In Medford, classes read hotel and motel with 27, full-service restaurant with 22 and limited-service restaurant with 22. In Medford, outside the tracked classes, 378 loans make up the rest of the 522. A single county, Jackson County, OR, accounts for 522 Medford loans.

Medford, OR: who holds the loans, 522 in all

In Medford, lender lines come from agency records of loans a lender in Medford has or had in Medford, per the holder field in Medford, and carry no judgment of lenders. Medford holders should be read that way in Medford. The largest Medford holders under SBA 7(a) in Medford are U.S. Bank, National Association with 73 loans worth $9.0 million; Banner Bank with 71 loans worth $7.0 million; Columbia Bank (OR) with 53 loans worth $8.4 million. Medford SBA 504 list starts with Evergreen Business Capital with 36 loans worth $26.4 million. The first holder in Medford sets the pace. Even so, a Medford borrower may take a study elsewhere in Medford.

SBA's files show 10.3% of FY2017 to FY2024 approvals in Medford cancelled, a floor. One more Medford figure, a ceiling treating loans lacking a disbursement as cancelled is withheld at source for Medford. Of 208 disbursed Medford loans in the FY2017 to FY2021 cohort, 6.7% are charged off to date (a floor), 3.8% within five years. Of the printed Medford years, FY2025 leads with 94 loans. Boundaries for Medford come from each project's county name, matched with the July 2023 delineation, and one with a county left unresolved sits in none of the areas. The 522 loans in Medford, OR include those in no named class in Medford.

Medford, OR: what the record asks of a Medford feasibility study

The Medford test begins with demand. Test the pull of the parcel itself in Medford, never the metropolitan area, so timing may slip, for Medford. After demand, Medford cost. Borrowers see a $126,550 median, though every line in Medford should rest on bids, and an honest Medford contingency. Coverage of debt service is the Medford test. Report coverage on the proposed loan plus a case with lower revenue, letting a Medford lender see the margin. Appraisal closes the loop in Medford, so every income assumption has to be documented for Medford. In Medford, 522 loans spread over many neighbourhoods, and a Medford study must say which it targets. At 0.61x of the national median, a very large Medford project may look unusual in Medford. The study should explain its scale for Medford against $126,550.