Feasibility Study Data for the Red Bluff, CA Micro Area

The scale of lending near Red Bluff

From FY2017 to FY2026, SBA approved 125 loans for projects in Red Bluff, together worth $78.3 million in gross dollars. Red Bluff ranks against all metro and micro areas, by loans, number 420 of 928. The central half of Red Bluff approvals sits between $68,700 and $827,000, around a median of $291,000; which puts the median at 1.40x the nationwide median. Split by program, Red Bluff shows 109 loans under 7(a) against 16 under 504. Franchised units took 14.4% of the record.

Red Bluff: classes and places

Separately, of the tracked classes we count for Red Bluff, hotel and motel stands on top with 13 loans, followed by gas station and truck stop, 10 loans and full-service restaurant, 6 loans. Also 76 loans in Red Bluff fall outside the classes. Every loan in Red Bluff sits in Tehama County, CA, at 125 loans, which makes a feasibility study around Red Bluff a single-county exercise.

Red Bluff: institutions behind approvals

Institutions named for Red Bluff stem from SBA's official Red Bluff records of the 125 SBA loans in Red Bluff, and who holds or held each; the entries tie every entry and offer nothing on lender standards. For the record, on the 7(a) side around Tehama County, CA, SBA's records name Plumas Bank ($6.4 million across 22 loans); next, U.S. Bank, National Association at 16 loans and $5.8 million. In the same files, for 504 lending around Tehama County, CA, the entries read Greater Sacramento Certified Development Corporation, with 5 loans for $4.7 million. An applicant in Red Bluff should ask the Red Bluff lender Plumas Bank and the other Red Bluff holders near Tehama County, CA what evidence it requires, then write the Red Bluff study around those answers.

Red Bluff: loss floors and years

Looking at Red Bluff approvals from FY2017 through FY2024, not below 11.2% ended in cancellation after approval in Red Bluff, which is a floor; the real Red Bluff figure may be higher. In the same files, no charge-off rate for Red Bluff is not published in the record, since too few Red Bluff loans were drawn. That empty cell, across Red Bluff, should never be read as an absence of loss. Further, on the calendar, Red Bluff peaked in FY2026 at 20 loans and $13.9 million, and was weakest in FY2018 at 11 loans and $2.5 million. Separately, a few years in the Red Bluff table are suppressed because they rest on too few loans; on the page they stay empty, and a blank is never a zero.

Red Bluff: testing a project

In Red Bluff, demand comes first: who lives in Tehama County, CA, who travels in, measured against the wider Red Bluff area, and whether hotel and motel, with 13 loans, leaves any room. On cost: $291,000 is the Red Bluff median and $68,700 to $827,000 the middle band, so a Tehama County, CA site must justify its budget against that $291,000 marker. Coverage: Red Bluff cash flow survives a soft year against with the 11.2% cancellation floor and charge-off floor for Red Bluff, which is also suppressed for lack of loans. The Red Bluff appraisal must support the worth financed. Red Bluff is cut from the July 2023 delineation; a loan whose project county is unmapped falls out of every area, Red Bluff as well, but the totals count loans beyond the named classes.