Feasibility Study Data for the Orlando-Kissimmee-Sanford, FL Metro Area

Orlando-Kissimmee-Sanford, FL: reading the area whole

Orlando-Kissimmee-Sanford, FL is a metropolitan area, and its 5,673 SBA approvals in FY2017 to FY2026 carried $3.48 billion in gross dollars. Orlando counts as one of the busiest, ranked 25 of 928 by loans. Orlando is read whole in Orlando-Kissimmee-Sanford, FL, every class counted. A slice of FL is not how Orlando is treated.

$285,000 is the Orlando median loan, and the middle half runs $100,000 to $700,000. Orlando sits well above the national level: its 1.37x ratio to the national median means Orlando requests sized nationally may look small. In Orlando-Kissimmee-Sanford, FL the 7(a) count is 4,879 and the 504 count is 794, which puts 7(a) ahead in Orlando. Orlando franchised businesses took 15.3% of loans, so a branded concept in Orlando needs a brand-cost check in Orlando.

Classes, counties and lenders in Orlando

Orlando's tracked classes, largest first: 229 loans in limited-service restaurant; 224 loans in full-service restaurant; 154 loans in child care center; 129 loans in medical office. Another 4,109 Orlando loans sit in no tracked class, so Orlando totals describe operating businesses, not only property. Orlando counts by county run 3,278 loans in Orange County, FL, 1,114 loans in Seminole County, FL, and 673 loans in Osceola County, FL; an Orlando study should say which it covers. Orlando 7(a) leaders: TD Bank, National Association ($69.8 million, 476 loans); Wells Fargo Bank National Association ($62.0 million, 295 loans); Newtek Bank, National Association ($104.9 million, 273 loans). Orlando 504 list: Florida Business Development Corporation ($357.2 million, 396 loans); Florida First Capital Finance Corporation, Inc. ($371.7 million, 353 loans); Sunshine State Economic Development Corporation ($33.3 million, 38 loans). SBA keeps records of Orlando loans each lender holds or held; TD Bank, National Association leads with 476, and no Orlando lender is judged.

Orlando goes from 453 loans in FY2017 to 619 in FY2026, ending higher: the peak was 882 in FY2025, and the trough 354 in FY2020. Of Orlando approvals in FY2017 to FY2024, Orlando saw at least 13.0% cancelled, and at most 14.3% if Orlando loans still undisbursed count as cancelled in Orlando. 8.4% is the floor for Orlando loans charged off among the 1,953 disbursed in FY2017 to FY2021. 4.5% of the Orlando cohort was charged off in five years. Orlando figures have limits: Orlando-Kissimmee-Sanford, FL follows the July 2023 delineation: 5,673 loans are matched by project county name; any Orlando loan lacking a placeable county is dropped; Orlando counts and rates are floors.

Orlando: what a study has to test

For Orlando, a study tests Orlando demand within a defined trade area, since Orange County, FL dominates Orlando loan counts. If an Orlando concept resembles limited-service restaurant, Orlando offers size and lender precedent; other Orlando concepts must rest on their own Orlando evidence. The Orlando cost section uses local quotes; run Orlando debt service coverage for loans near $285,000 and near $700,000. In Orlando, the appraisal should choose comparables by submarket, and say why Orlando averages were set aside. The Orlando record frames questions, and each lender in Orlando decides on its own.