Feasibility Study Data for the Oklahoma City, OK Metro Area

Oklahoma City, OK: reading the area whole

Oklahoma City, OK is a metropolitan area, and its 2,302 SBA approvals in FY2017 to FY2026 carried $1.20 billion in gross dollars. Oklahoma City is an upper-tier area: 49 of 928 by loans. Oklahoma City is read whole in Oklahoma City, OK, every class counted. A slice of OK is not how Oklahoma City is treated.

Oklahoma City: half of loans run $100,000 to $526,500, around a median of $230,500. At 1.11x the national median, Oklahoma City runs above the national level; a Oklahoma City request borrowed from elsewhere may look small in Oklahoma City. In Oklahoma City, OK the 7(a) count is 2,165 and the 504 count is 137, which puts 7(a) ahead in Oklahoma City. Oklahoma City franchised businesses took 15.2% of loans, so a branded concept in Oklahoma City needs a brand-cost check in Oklahoma City.

Classes, counties and lenders in Oklahoma City

Oklahoma City's tracked classes, largest first: 102 loans in full-service restaurant; 102 loans in limited-service restaurant; 56 loans in child care center; 51 loans in fitness center. Oklahoma City also holds 1,648 loans outside every tracked class; Oklahoma City small business lending shows here. Oklahoma City counts by county run 1,478 loans in Oklahoma County, OK, 372 loans in Cleveland County, OK, and 222 loans in Canadian County, OK; a Oklahoma City study should say which it covers. Oklahoma City 7(a) volume: BancFirst ($277.2 million, 691 loans); Arvest Bank ($17.4 million, 99 loans); MidFirst Bank ($14.3 million, 75 loans). Oklahoma City 504 leaders: Rural Enterprises of Oklahoma, Inc. ($84.7 million, 88 loans); Small Business Capital Corporation ($14.6 million, 21 loans); Metro Area Development Corporation ($26.5 million, 20 loans), in that order. BancFirst, with 691 loans, tops the Oklahoma City rows, each an SBA record of Oklahoma City loans held or once held; none judges Oklahoma City lenders.

Oklahoma City ended FY2026 at 227 loans, higher than FY2017's 200; the peak came in FY2021 (274 loans, $174.6 million) and the low in FY2023 (190). Oklahoma City cancellation after approval runs at 11.5% as a floor for Oklahoma City approvals, FY2017 to FY2024, and 12.3% as a ceiling that counts Oklahoma City loans still undisbursed as cancelled. The Oklahoma City charge-off floor reaches 4.9% across a cohort of 1,019 loans disbursed between FY2017 and FY2021. Early Oklahoma City charge-offs, those within five years, reach 2.6%. Oklahoma City, OK membership follows the July 2023 delineation; Oklahoma City counties are matched by name, and a Oklahoma City loan with no match is dropped, so 2,302 is a floor, and every Oklahoma City rate is too.

Oklahoma City: the study questions

For Oklahoma City, a study tests Oklahoma City demand within a defined trade area, since Oklahoma County, OK dominates Oklahoma City loan counts. If a Oklahoma City concept resembles full-service restaurant, Oklahoma City offers size and lender precedent; other Oklahoma City concepts must rest on their own Oklahoma City evidence. The Oklahoma City cost section uses local quotes; run Oklahoma City debt service coverage for loans near $230,500 and near $526,500. Oklahoma City is metropolitan, so submarkets differ, and a Oklahoma City appraisal should use the site's own Oklahoma City submarket comparables. The Oklahoma City record frames questions, and each lender in Oklahoma City decides on its own.