Feasibility Study Data for the Punta Gorda, FL Metro Area

Punta Gorda in the SBA loan record

Punta Gorda, FL is a metropolitan area, and its 353 SBA approvals in FY2017 to FY2026 carried $227.8 million in gross dollars. Punta Gorda counts as a mid-table area, ranked 209 of 928 by loans. In Punta Gorda, FL, every asset class is pooled for Punta Gorda. That view of Punta Gorda is missing from FL and national tables.

Punta Gorda: half of loans run $125,000 to $778,000, around a median of $328,300. Outside data makes Punta Gorda requests look light; at 1.58x, Punta Gorda is well above the national level. In Punta Gorda, FL the 7(a) count is 311 and the 504 count is 42, which puts 7(a) ahead in Punta Gorda. Punta Gorda franchise loans reach 16.1%, so brand standards often shape a Punta Gorda request there.

Who lends in Punta Gorda, and for what

Punta Gorda tracked classes among 353 loans, by loan count: full-service restaurant: 15; limited-service restaurant: 10; automotive mechanical repair: 9; medical office: 7. 267 Punta Gorda loans sit outside the tracked classes, so Punta Gorda operating businesses show up in these totals. Punta Gorda's busiest counties are Charlotte County, FL with 353, so a Punta Gorda project's boundary matters when Punta Gorda borrowers cite area-wide figures. The Huntington National Bank ($19.6 million, 38 loans); Wells Fargo Bank National Association ($2.8 million, 21 loans); Newtek Bank, National Association ($7.6 million, 13 loans) lead 7(a) lending in Punta Gorda. Punta Gorda 504 record, longest first: Florida First Capital Finance Corporation, Inc. with 19 loans, $19.2 million. The Huntington National Bank, with 38 loans, tops the Punta Gorda rows, each an SBA record of Punta Gorda loans held or once held; none judges Punta Gorda lenders.

The Punta Gorda series opens at 35 loans in FY2017 and closes at 38, higher than the start; its high is 56 loans ($40.7 million) in FY2025, its low 16 in FY2020. Punta Gorda cancellations stand at 12.4%, a floor, for Punta Gorda approvals in FY2017 to FY2024; Punta Gorda's ceiling is withheld, never zero in Punta Gorda. 12.6% is the floor for Punta Gorda loans charged off among the 127 disbursed in FY2017 to FY2021. The Punta Gorda five-year loss figure is withheld; Punta Gorda cannot read it as zero. Punta Gorda faces a geography limit: Punta Gorda, FL uses the July 2023 definition; 353 loans are matched by county, and unplaceable Punta Gorda loans are omitted, so Punta Gorda counts and rates are floors.

Punta Gorda: what a study has to test

For Punta Gorda, a study tests Punta Gorda demand within a defined trade area, since Charlotte County, FL dominates Punta Gorda loan counts. If a Punta Gorda concept resembles full-service restaurant, Punta Gorda offers size and lender precedent; other Punta Gorda concepts must rest on their own Punta Gorda evidence. Local bids set Punta Gorda costs; Punta Gorda debt service coverage then needs tests at $328,300 and at $778,000. Punta Gorda appraisals compare within one submarket of Punta Gorda, FL, not across averages. Nothing printed for Punta Gorda predicts approval; each Punta Gorda lender still reviews a study.