Feasibility Study Data for the Oshkosh-Neenah, WI Metro Area

Oshkosh in the SBA loan record

Oshkosh-Neenah, WI logged 344 SBA approvals in FY2017 to FY2026, worth $169.0 million in gross dollars. Oshkosh ranks 216 of 928 by loan count. Oshkosh is read whole in Oshkosh-Neenah, WI, every class counted. A slice of WI is not how Oshkosh is treated.

A Oshkosh median loan of $214,500 sits inside a middle half of $100,000 to $531,750. Outside data makes Oshkosh requests look familiar; at 1.03x, Oshkosh is close to the national level. Oshkosh counts 271 loans under 7(a) and 73 under 504, so 7(a) carries the Oshkosh mix. Oshkosh franchise loans reach 9.9%, so brand standards often shape an Oshkosh request there.

Classes, counties and lenders in Oshkosh

Oshkosh tracked classes among 344 loans, by loan count: beverage manufacturing: 11; full-service restaurant: 10; limited-service restaurant: 10; automotive mechanical repair: 8. Another 265 Oshkosh loans sit in no tracked class, so Oshkosh totals describe operating businesses, not only property. Winnebago County, WI (344 loans) leads by county; an Oshkosh study names which county it covers. Oshkosh 7(a) volume: Nicolet National Bank ($16.7 million, 41 loans); Bank First, N.A. ($9.7 million, 20 loans); The Huntington National Bank ($4.3 million, 18 loans). Nicolet National Bank's 41 loans, like every Oshkosh lender figure, are an SBA record of Oshkosh loans held or once held. No Oshkosh lender is judged by these counts.

Oshkosh goes from 27 loans in FY2017 to 19 in FY2026, ending lower: the peak was 51 in FY2021, and the trough 19 in FY2026. Oshkosh cancellations stand at 9.7%, a floor, for Oshkosh approvals in FY2017 to FY2024; Oshkosh's ceiling is withheld, never zero in Oshkosh. The Oshkosh charge-off floor reaches 2.9% across a cohort of 175 loans disbursed between FY2017 and FY2021. The Oshkosh five-year loss figure is withheld; Oshkosh cannot read it as zero. Oshkosh faces a geography limit: Oshkosh-Neenah, WI uses the July 2023 definition; 344 loans are matched by county, and unplaceable Oshkosh loans are omitted, so Oshkosh counts and rates are floors.

Oshkosh: testing a project

For Oshkosh, a study tests Oshkosh demand within a defined trade area, since Winnebago County, WI dominates Oshkosh loan counts. If an Oshkosh concept resembles beverage manufacturing, Oshkosh offers size and lender precedent; other Oshkosh concepts must rest on their own Oshkosh evidence. Oshkosh quotes should price construction and equipment. Then Oshkosh debt service coverage is tested at $214,500, and again at $531,750. Oshkosh is metropolitan, so submarkets differ, and an Oshkosh appraisal should use the site's own Oshkosh submarket comparables. The Oshkosh record frames questions, and each lender in Oshkosh decides on its own.