Feasibility Study Data for the Napa, CA Metro Area

Wine country by the numbers

Napa County is the whole of this area: all 398 placed loans sit there. For FY2017 to FY2026 SBA approved $300.3 million gross across them, rank 192 of 928, with 293 under 7(a) and 105 under 504; that 504 share is high for a small area. Napa loans center on $348,500. Napa sits at 1.68x of the national figure. Napa: half of loans span $134,400 to $917,825. Brands hold only 8.3% of the count.

Napa's named classes pair full-service restaurant, 24 loans, with beverage manufacturing, 21, the signature of a wine economy; dental office follows at 14, limited-service restaurant at 10 and hotel and motel at 7, and 268 loans sit outside the named classes. A Napa winery or distillery study needs tasting-room traffic, grape or ingredient supply, how much production capacity sales really use, and a value opinion that keeps vineyard-country land apart from tanks and presses. Count was 37 loans and $32.3 million in FY2017, dipped to 27 loans and $25.2 million in FY2021, peaked at 50 loans and $52.6 million in FY2022 and ended at 39 loans and $33.4 million in FY2026.

Napa lenders

Napa's 7(a) list opens with Live Oak Banking Company at 26 loans and $38.4 million, then U.S. Bank, National Association at 25 loans and $5.0 million, and at 18 loans and $11.1 million Wells Fargo Bank National Association. Napa's 504 side is a dead heat: Bay Area Employment Development Company and The Mortgage Capital Development Corporation hold 42 loans each, worth $48.9 million and $46.3 million. Napa lists name holders from SBA's records. Napa holders hold or held those loans. Napa volume is no verdict on lender practice. Napa counts promise no requirement.

Napa floors and the study

In Napa, cancellations ran at least 11.9%. That covers Napa approvals FY2017 to FY2024. Napa's ceiling is withheld, as Napa lacks loans to support one. Napa charge-offs reached at least 5.9% across 153 funded loans. Napa withholds its five-year rate. Too few Napa loans support it. Napa floors rise if open Napa loans go bad. Napa counts by county. Napa's members follow the July 2023 delineation. Napa matches counties by name, Napa drops those that fail to place, and Napa keeps approvals outside named classes. Napa work must price land at wine-country levels, test debt service on lean revenue and rest value on Napa County sales. Loan Analytics prepares Napa studies. Daniel Smith, MAI, signs each Napa study.