Feasibility Study Data for the Phoenix-Mesa-Chandler, AZ Metro Area

The Phoenix-Mesa-Chandler record in brief

Across Phoenix-Mesa-Chandler, the SBA loan files record 9,960 approvals from FY2017 through FY2026, totalling $6.43 billion in gross dollars. Phoenix-Mesa-Chandler ranks against the whole list of areas, measured by loan count, at rank 13 of 928. The central half of Phoenix-Mesa-Chandler approvals falls between $110,750 and $778,250, about a typical loan of $334,000; which sets the median at 1.61x the national median. Here, SBA 7(a) holds 8,717 loans, and 1,243 by way of SBA 504. For the record, franchises make up 13.0% of the loans.

Phoenix-Mesa-Chandler: classes and counties

Inside the tracked classes we name for Phoenix-Mesa-Chandler, full-service restaurant is largest with 348 loans, then limited-service restaurant (261) and fitness center (257). A further 7,337 loans in Phoenix-Mesa-Chandler fall outside the classes. By county, Maricopa County, AZ holds 9,581 loans, and behind it come Pinal County, AZ (379).

Phoenix-Mesa-Chandler: who holds loans

Holders shown for Phoenix-Mesa-Chandler stem from SBA's published Phoenix-Mesa-Chandler records of the 9,960 approvals in Phoenix-Mesa-Chandler, carried at present or before; such records log every loan though pass no judgment on lender standards. Next, for Phoenix-Mesa-Chandler loans under 7(a), SBA's records name Wells Fargo Bank National Association (672 loans, $233.2 million); next, U.S. Bank, National Association at 591 loans and $136.0 million. Among 504 loans in Phoenix-Mesa-Chandler, SBA names The Mortgage Capital Development Corporation (479 loans, $610.3 million); next, CDC Small Business Finance Corp. ($335.0 million across 348 loans). Worth noting, these rows are context for a borrower near Maricopa County, AZ and do not rank one holder above another.

Phoenix-Mesa-Chandler: loss floors and years

Among Phoenix-Mesa-Chandler approvals from FY2017 through FY2024, not below 10.0% were cancelled after approval in Phoenix-Mesa-Chandler, and that is a floor; the full Phoenix-Mesa-Chandler share is no lower. Next, among disbursed Phoenix-Mesa-Chandler loans approved in FY2017 through FY2021, 5.0% are charged off as of today, again only a floor; 3.0% had been charged off in the first five years after approval, in a base of 4,095 loans. On the calendar, Phoenix-Mesa-Chandler peaked in FY2025 at 1,437 loans and $903.7 million, and was weakest in FY2020 at 753 loans and $485.8 million.

Phoenix-Mesa-Chandler: the tests ahead

In Phoenix-Mesa-Chandler, demand comes first: who lives in Maricopa County, AZ, who lives in Pinal County, AZ, measured against Phoenix-Mesa-Chandler as a whole, and whether the 348 full-service restaurant loans leave room. Budget: $334,000 is the Phoenix-Mesa-Chandler median and $110,750 to $778,250 the central range, so a Maricopa County, AZ site should cost itself against this $334,000 midpoint. Repayment: Phoenix-Mesa-Chandler coverage absorbs a slow year against the 10.0% rate of cancellation with the 5.0% charge-off floor. An appraisal in Phoenix-Mesa-Chandler needs to agree with the figure assumed. Phoenix-Mesa-Chandler adopts the July 2023 boundaries; a record whose project county is not matched appears in none of all areas, Phoenix-Mesa-Chandler no exception, while the totals cover loans sitting outside the class list.