Feasibility Study Data for the Naples-Marco Island, FL Metro Area

Naples-Marco Island, FL: loan volume and median size around Naples-Marco Island

The agency approved 825 SBA loans for projects in the Naples-Marco Island, FL metro area over FY2017 to FY2026, carrying $478.7 million across every asset class. Naples-Marco Island holds rank 114 of 928 against every other statistical area, Naples-Marco Island among them. Loan size centers on $254,000, while the middle half span $100,000 to $700,000. The national comparison favors bigger tickets: at 1.22x of the national median. Large Naples-Marco Island tickets are the first thing that sets Naples-Marco Island apart.

Naples-Marco Island, FL loans and who holds them around Naples-Marco Island

The metro area shows 767 loans under 7(a), against 58 under 504. Most Naples-Marco Island borrowers therefore meet the 7(a) rules. The franchise share of Naples-Marco Island loans is 12.6% in this metro area. On the 7(a) Naples-Marco Island side, The Huntington National Bank leads with 128 loans and $56.0 million. Second place is TD Bank, National Association: 50 loans, $10.0 million. The count for Newtek Bank, National Association is 49 loans, then 45 for Wells Fargo Bank National Association. The 504 table is headed by Florida First Capital Finance Corporation, Inc., at 35 loans and $30.7 million. These are SBA's records of Naples-Marco Island loans held or once held. The Huntington National Bank appears for the Naples-Marco Island loans SBA assigns to it; no row states what any lender requires.

Naples-Marco Island, FL: which classes and counties lead Naples-Marco Island

Most of the Naples-Marco Island total sits outside the tracked asset classes: 631 loans that carry codes outside the table. Around Naples-Marco Island, the Naples-Marco Island class rows therefore describe a minority of Naples-Marco Island lending. Full-service restaurant is the largest listed class, at 45 loans, then medical office (physicians) with 21 and fitness center with 21. Smaller classes follow, among them limited-service restaurant at 21 loans and beauty salon at 21. By county, Collier County, FL accounts for 825 loans. Demand differs among these counties, so the Naples-Marco Island figure hides some spread.

Naples-Marco Island: outcome rates, trend and data limits in Naples-Marco Island, FL

Of FY2017 to FY2024 approvals in Naples-Marco Island, no fewer than 11.3% were cancelled before the loan closed out; on the wider view that undisbursed Naples-Marco Island loans are lost, the ceiling is 13.3%. Among 313 loans in the FY2017 to FY2021 disbursed Naples-Marco Island cohort, charge-offs to date rest at a floor of 8.3%. The five-year rate is not reported, its cohort being under 30 loans, so no number stands in for it. The cohort is still maturing, which keeps these rates as floors, with subsequent data able only to raise them. FY2024 was the high point: 131 loans worth $67.3 million, while FY2019 was the low point before FY2026, at 59 loans and $28.3 million. Naples-Marco Island is built from project counties such as Collier County, FL. Then county membership follows the 2023 delineation, with Naples-Marco Island counties matched by name.

Naples-Marco Island projects and the study behind them in Naples-Marco Island, FL

A study for a Naples-Marco Island project should be built for the particular county, as no single Naples-Marco Island market sits behind the total. Naples-Marco Island lenders see Naples-Marco Island full-service restaurant most often, so anticipate scrutiny of the lease term against payback, plus Naples-Marco Island dining rooms and their weeknight trade and how Naples-Marco Island diners split by daypart. Projects in medical office (physicians) here the questions are payer contracts and rates and hospital affiliation effects. Debt service coverage in Naples-Marco Island should be run against a downturn; the collateral valued at needs local evidence under it. With larger tickets common in Naples-Marco Island, the request must be tied to what the site earns, regardless of the area norm.