Feasibility Study Data for the Pensacola-Ferry Pass-Brent, FL Metro Area

Pensacola-Ferry Pass-Brent, FL: volume and loan size, median $350,000

Pensacola stands 143 of 928 by loans, drawing 646 SBA approvals over FY2017 to FY2026, $475.8 million gross. In Pensacola, $350,000 is the median loan, 1.68x the national median. Half of Pensacola loans sit between $150,000 and $836,000, larger tickets than the national figure for the same measure. Lenders working Pensacola see tickets from $150,000 to $836,000 most often. A Pensacola study should place its project inside that $150,000 to $836,000 range in Pensacola.

In Pensacola, SBA 7(a) carries 545 loans and SBA 504 carries 101. In Pensacola, franchise brands account for 22.9% of the loans. In Pensacola, leading classes: limited-service restaurant with 37, full-service restaurant with 30 and hotel and motel with 21. Another 421 approvals fall in no named class, so Pensacola totals 646 loans, more than its classes combined. In Pensacola, the counties carrying most volume are Escambia County, FL with 440 and Santa Rosa County, FL with 206 in Pensacola.

Pensacola: holders of SBA loans in Pensacola-Ferry Pass-Brent, FL

In Pensacola, lenders listed derive from SBA's file in Pensacola view of loans a firm has or had in Pensacola, per the holder field in Pensacola, so no underwriting can be read. Pensacola holders should be read that way in Pensacola. Heading the Pensacola SBA 7(a) list: Hancock Whitney Bank with 48 loans worth $19.4 million; Live Oak Banking Company with 45 loans worth $57.2 million; The Huntington National Bank, holding 32 loans worth $14.1 million. The Pensacola SBA 504 side shows Florida First Capital Finance Corporation, Inc. with 70 loans worth $52.2 million; Florida Business Development Corporation with 26 loans worth $32.6 million. In Pensacola, concentration among top holders says little. A Pensacola study should stand on evidence alone in Pensacola.

Among Pensacola approvals of FY2017 to FY2024, 13.3% were cancelled after approval, a floor. A Pensacola ceiling, counting undisbursed loans as cancelled, is 14.6%. Among 246 Pensacola loans disbursed FY2017 to FY2021, SBA shows 6.1% charged off to date in Pensacola, a floor in Pensacola, and withholds the five-year rate. Pensacola trend: the busiest year is FY2025, at 93 loans. The Pensacola area rests on the county of the project, matched with the July 2023 delineation, and this loan, if its county is blank stays out of every area. The 646 loans in Pensacola-Ferry Pass-Brent, FL include those in no named class.

Pensacola: what a project study must test, per Pensacola-Ferry Pass-Brent, FL

A Pensacola study opens with demand in Pensacola. Size the real catchment of the parcel itself in Pensacola, never the metropolitan area in Pensacola, and let revenue survive a slow ramp. Pensacola cost is the second test. $350,000 is the median ticket, a guide in Pensacola, though every line should rest on bids, also equipment and fees itemised for Pensacola. Debt service coverage is the Pensacola hinge. Test coverage at the requested size plus a case with lower revenue, because loans in Pensacola can still fail. An appraiser values the Pensacola property independently, so any rent figure needs sources that survive review in Pensacola. In Pensacola, 646 loans spread over many neighbourhoods, and a Pensacola study must say which it targets. With Pensacola at 1.68x the national median in Pensacola, projects run large in Pensacola. The study must justify its project for Pensacola against $350,000.