Prescott Valley: what the area shows

Prescott Valley-Prescott, AZ logged 495 SBA approvals in FY2017 to FY2026, worth $347.2 million in gross dollars. Prescott Valley-Prescott, AZ is distinctive on loan size: its $393,000 median loan is 1.89x of the national median, a Prescott Valley gap past our margin. Prescott Valley charge-offs set it apart from the national record by more than our margin, yet the Prescott Valley floor is withheld below, never zero. Prescott Valley counts as a mid-table area, ranked 169 of 928 by loans. In Prescott Valley-Prescott, AZ, every asset class is pooled for Prescott Valley. That view of Prescott Valley is missing from AZ and national tables.

$393,000 is the Prescott Valley median loan, and the middle half runs $150,000 to $879,500. Prescott Valley sits well above the national level: its 1.89x ratio to the national median means Prescott Valley requests sized nationally may look small. Prescott Valley: 7(a) leads the mix, with 420 7(a) loans against 75 under 504. 7.3% of Prescott Valley loans went to franchised businesses, so a Prescott Valley study names the brand, if any, for Prescott Valley.

Who lends in Prescott Valley, and for what

Tracked classes in Prescott Valley, with loan counts: full-service restaurant 36, hotel and motel 19, automotive mechanical repair 15, limited-service restaurant 13. 314 Prescott Valley loans sit outside the tracked classes, so Prescott Valley operating businesses show up in these totals. Yavapai County, AZ (495 loans) lead by county; a Prescott Valley study names which county it covers. Prescott Valley 7(a) volume: Zions Bancorporation, National Association ($23.0 million, 56 loans); Wells Fargo Bank National Association ($13.1 million, 29 loans); St. Louis Bank ($21.8 million, 26 loans). Arizona Capital Source ($27.0 million, 32 loans); The Mortgage Capital Development Corporation ($29.3 million, 29 loans) lead 504 lending in Prescott Valley. Prescott Valley lender figures, Zions Bancorporation, National Association's 56 loans included, are an SBA record of Prescott Valley loans held or once held; no Prescott Valley lender is judged by them.

Prescott Valley, between FY2017 (41 loans) and FY2026 (58), peaked at 68 in FY2024 and bottomed at 30 in FY2023. Of Prescott Valley approvals in FY2017 to FY2024, Prescott Valley saw at least 10.7% cancelled, and at most 12.0% if Prescott Valley loans still undisbursed count as cancelled in Prescott Valley. With 495 loans in all, Prescott Valley cannot print a charge-off floor from so thin a cohort; withheld in Prescott Valley does not mean zero. Prescott Valley faces a geography limit: Prescott Valley-Prescott, AZ uses the July 2023 definition; 495 loans are matched by county, and unplaceable Prescott Valley loans are omitted, so Prescott Valley counts and rates are floors.

Prescott Valley: testing a project

A Prescott Valley feasibility study begins with Prescott Valley demand from the right counties: Yavapai County, AZ leads the loan counts, though Prescott Valley is wider. If a Prescott Valley concept resembles full-service restaurant, Prescott Valley offers size and lender precedent; other Prescott Valley concepts must rest on their own Prescott Valley evidence. The Prescott Valley cost section uses local quotes; run Prescott Valley debt service coverage for loans near $393,000 and near $879,500. Prescott Valley appraisals compare within one submarket of Prescott Valley-Prescott, AZ, not across averages. The Prescott Valley record frames questions, and each lender in Prescott Valley decides on its own.

SBA loans in the Prescott Valley-Prescott, AZ Metro Area

Loans approved, FY2017 to FY2026	495
Gross dollars approved	$347.2 million
Median loan	$393,000
Middle half of loans, from	$150,000
Middle half of loans, to	$879,500
SBA 7(a) loans	420
SBA 504 loans	75
Franchise share of loans	7.3%
Rank among metro and micro areas by loans	169 of 928
Median loan against the national median	1.89x

Cancellation and charge-off

Cancelled after approval, FY2017 to FY2024 approvals (a floor)	10.7%
The same, counting loans still undisbursed as cancelled (a ceiling)	12.0%
Charged off to date, FY2017 to FY2021 disbursed loans (a floor)	withheld

Both rates are floors. SBA withholds the status of open loans, so a loan counts as charged off only once SBA reports it; a rate needs at least 30 loans in its cohort and is otherwise not reported.

SBA loans approved in the Prescott Valley-Prescott, AZ Metro Area, by fiscal year

Fiscal year	Loans	Dollars
FY2017	41	$24.3 million
FY2018	54	$35.8 million
FY2019	39	$24.4 million
FY2020	41	$27.2 million
FY2021	53	$34.7 million
FY2022	49	$45.4 million
FY2023	30	$26.7 million
FY2024	68	$40.1 million
FY2025	62	$44.1 million
FY2026	58	$44.5 million

Loans by asset class

Asset class	Loans
Not in any of the 39 asset classes	314
Full-service restaurant	36
Hotel and motel	19
Automotive mechanical repair (car and truck)	15
Limited-service restaurant	13
Self storage	12
Medical office (physicians)	10
Beverage manufacturing (breweries, wineries, distilleries)	8
Fitness center	8
Gas station and truck stop	6
Dental office	6
Car wash	5
Assisted living (without nursing care)	5
Veterinary clinic	5
Beauty salon	5

Classes with 5 or more loans; smaller ones are withheld, and more where a small one could be derived.

Most active SBA lenders

SBA 504: lenders by loans approved (the current holder of each loan, as SBA reports it)
Lender	Loans	Dollars
Arizona Capital Source	32	$27.0 million
The Mortgage Capital Development Corporation	29	$29.3 million

SBA 7(a): lenders by loans approved (the current holder of each loan, as SBA reports it)
Lender	Loans	Dollars
Zions Bancorporation, National Association	56	$23.0 million
Wells Fargo Bank National Association	29	$13.1 million
St. Louis Bank	26	$21.8 million
JPMorgan Chase Bank, National Association	19	$10.3 million
Glacier Bank	19	$7.8 million

Lenders with 5 or more loans here; a lender with fewer is not listed, and loans SBA or a receiver holds are counted but never listed as a lender.

Where the loans are, by county

County	Loans
Yavapai County, AZ	495

Counties with 5 or more loans; smaller ones are not listed.

Metro is the CBSA (metropolitan or micropolitan statistical area) of the loan's project county, July 2023 delineation (OMB Bulletin 23-01). The county is matched by name (manifests/ld2/county-cbsa-map.csv); a loan whose county cannot be placed in a 2023 CBSA is left out of every metro.

All assets: every 7(a) and 504 approval in the metro, including those outside the 39 asset classes.

A value marked withheld rests on fewer than 5 loans, or is withheld so that such a figure cannot be derived from other published figures.

Source: U.S. Small Business Administration, 7(a) and 504 loan-level FOIA files (data.sba.gov), as of 2026-09-30; areas from the U.S. Census Bureau CBSA delineation, July 2023 (OMB Bulletin 23-01); Loan Analytics metro cell MT-39150.

Related feasibility study pages

Feasibility study data by asset class in the Prescott Valley-Prescott, AZ Metro Area

Full-service restaurant

Worked examples

Worked Example: SBA 7(a) Hotel Feasibility Study in Arizona, a Closed Motor Inn Reopened as an Independent Lodge

A worked example of the feasibility study a lender would read for a hotel project in Arizona, financed with an SBA 7(a) loan.

State: Arizona · Asset: Hotel · Program: SBA 7(a)

Loan Analytics prepares the feasibility study a lender reads before it commits: for a commercial project in the Prescott Valley-Prescott, AZ Metro Area, financed under SBA 7(a), SBA 504, USDA Business and Industry or a conventional bank loan. Tell us the project and the lender's deadline, and we reply with scope, timeline and fee.

Daniel Smith, MAI

Feasibility Study Data for the Prescott Valley-Prescott, AZ Metro Area