Feasibility Study Data for the Moses Lake, WA Micro Area

Moses Lake: volume, rank and ticket size across Moses Lake, WA

SBA approved 236 loans across the Moses Lake, WA micro area from FY2017 through FY2026, worth $133.5 million in gross dollars. Moses Lake holds rank 282 of 928 against every other statistical area, Moses Lake among them. The median ticket in Moses Lake is $150,000, whereas the middle Moses Lake half span $50,000 to $659,500. Moses Lake borrowers borrow less, since 0.72x is the local Moses Lake median against the national median. Smaller Moses Lake tickets are the first thing that sets Moses Lake apart.

Moses Lake borrowers, programs and holders in Moses Lake, WA

The program split in Moses Lake is 224 under 7(a) and 12 under 504. Moses Lake is a 7(a) Moses Lake market first. Franchise brands account for 9.7% of loans in this micro area. Among 7(a) holders, Washington Trust Bank stands first, at 52 loans and $18.3 million; next is Banner Bank, 34 loans for $5.4 million. U.S. Bank, National Association holds 28 loans, then 14 for Columbia Bank (OR). 504 lending here runs through Northwest Business Development Association, at 7 loans and $7.0 million. These are SBA's records of Moses Lake loans held or once held. Washington Trust Bank appears as the holder SBA reports; the Moses Lake list neither praises nor faults any holder.

Moses Lake, WA: classes and counties inside Moses Lake

The larger share of the Moses Lake record falls outside the class table: 162 loans that carry codes outside the Moses Lake table. The Moses Lake class rows therefore describe a minority of Moses Lake lending. Gas station and truck stop is the largest tracked class, at 17 loans, ahead of hotel and motel at 10, and limited-service restaurant at 9. Further down sit Moses Lake automotive mechanical repair (car and truck), 7 loans and rehabilitation and therapy clinic at 6. By county, Grant County, WA accounts for 236 loans. A project in one Moses Lake county meets other land costs, which the micro area total blends together.

Moses Lake, WA: reading the outcome floors for Moses Lake

Cancellation after approval reached a floor of 8.3% for Moses Lake approvals in FY2017 to FY2024, and the ceiling, which treats Moses Lake loans still undisbursed as cancelled, is 11.0%. Among 108 loans in the FY2017 to FY2021 disbursed Moses Lake cohort, charge-offs to date stand at a minimum of 0.00%; within five years of approval the Moses Lake rate was 0.00%. Older loans can still default, making these minimums so the final Moses Lake figure is higher or equal. Volume Moses Lake crested in FY2025, at 31 loans and $13.2 million. FY2022, with 15 loans and $5.2 million, was the weakest year before FY2026. Moses Lake is built from project counties such as Grant County, WA, county membership follows the 2023 delineation, yet Moses Lake counties Moses Lake that resist matching stay out of all Moses Lake totals.

Moses Lake: testing a project in Moses Lake, WA

Any Moses Lake feasibility study has to be prepared for the individual county, since area totals mix several markets. Moses Lake lenders see gas station and truck stop most often, so it has to examine pump count against queues and diesel and truck traffic counts, then the thin fuel margin. For hotel and motel, the next Moses Lake class in Moses Lake, the questions are staffing cost per occupied room and capital reserves for renewals. Cash flow for a Moses Lake loan needs a poor-year test; the Moses Lake collateral value needs local proof under it. Since Moses Lake loans skew small, a ask above the middle half will draw questions the Moses Lake study should answer first.