Feasibility Study Data for the Missoula, MT Metro Area

Missoula scale: counts, dollars and typical loans in Missoula, MT

SBA approved 228 loans for Missoula projects over FY2017 to FY2026, worth $103.0 million in gross dollars. By loan count, Missoula ranks 290 of 928 against every other statistical area, Missoula among them. The median ticket in Missoula is $200,000, while the middle half span $82,150 to $499,250. Loan size here is 0.96x of the national median, which keeps Missoula close to the national Missoula norm on ticket size.

Missoula, MT: 7(a), 504 and the holders behind Missoula

The metro area shows 180 loans under 7(a), against 48 under 504; in Missoula, 7(a) carries the bigger share. The franchise share of Missoula loans is 14.0%. 39 loans worth $12.0 million put Glacier Bank first among 7(a) holders. 29 loans and $5.9 million belong to U.S. Bank, National Association, in next place. Also in the 7(a) table: First Interstate Bank at 14 loans; Wells Fargo Bank National Association has 11. 504 lending here runs through Capital Matrix, Inc., at 25 loans and $14.3 million. Big Sky Economic Development Corporation trails with 14. Every lender Missoula row is SBA's record of holdings. Glacier Bank appears as the holder SBA states; no row describes how U.S. Bank, National Association treats borrowers.

Missoula, MT: classes and counties inside Missoula

The larger share of the Missoula record falls outside the class table: 165 loans that carry codes outside the Missoula table. The Missoula class rows therefore describe a minority of Missoula lending. The class table opens with automotive mechanical repair (car and truck), 12 loans, ahead of limited-service restaurant at 11, and fitness center at 9. Smaller classes follow, among them full-service restaurant at 6 loans and beauty salon at 6.

Missoula, MT: how to read Missoula cancellations and charge-offs

A minimum of 9.7% of Missoula approvals Missoula made in FY2017 to FY2024 never funded; counting Missoula loans still undisbursed as cancelled leaves the ceiling at the same 9.7%. The Missoula charge-off rate is withheld: its funded cohort is under 30 loans, so no loss figure is printed, so readers must not treat this blank as proof that no losses occurred. Annual approvals peaked in FY2021 at 35 loans and $12.9 million; the thinnest Missoula year before FY2026 was FY2018, with 9 loans for $2.9 million. Missoula is built from project counties such as Missoula, MT. Then the 2023 Missoula delineation of statistical areas draws the Missoula line, so a loan from an unmatched Missoula county appears nowhere.

Missoula: demand, cost, coverage and appraisal in Missoula, MT

Any Missoula feasibility analysis has to be written for the particular Missoula county, since area totals mix several markets. The top class by count is automotive mechanical repair (car and truck), which means expect scrutiny of waste oil and fluid handling, plus fleet and commercial account potential and the building's reuse beyond repair. A Missoula request in limited-service restaurant depend on queue length at the lunch rush and on how a brand carries up in Missoula. Debt service coverage in Missoula must hold in a weak year; comparable sales near the Missoula site must support the value.