Feasibility Study Data for the Sacramento-Roseville-Folsom, CA Metro Area

Sacramento-Roseville-Folsom, CA: loan volume and median size around Sacramento-Roseville-Folsom

5,457 SBA approvals landed here for Sacramento-Roseville-Folsom projects between FY2017 and FY2026, carrying $3.54 billion across every asset class. The metro area sits at 26 of 928 against every other statistical area, Sacramento-Roseville-Folsom among them. Loan size centers on $326,000, and the central half fall from $95,100 up to $780,000. Against the country, Sacramento-Roseville-Folsom borrowers take larger loans, at 1.57x of the national median. Nationally, loans run smaller than they do here.

Sacramento-Roseville-Folsom lenders and the programs they use in Sacramento-Roseville-Folsom, CA

The metro area shows 4,590 loans under 7(a), against 867 under 504. Most Sacramento-Roseville-Folsom borrowers therefore meet the 7(a) rules. Franchise brands account for 12.1% of loans. U.S. Bank, National Association tops the 7(a) table at 707 loans and $175.3 million; next is Wells Fargo Bank National Association, 371 loans for $144.0 million. Also in the 7(a) table: Banner Bank at 171 loans, and Northeast Bank (ME) at 168. On 504, The Mortgage Capital Development Corporation comes first: 320 loans, $395.3 million. California Statewide Certified Development Corporation trails with 154. Every lender row is SBA's record of holdings. U.S. Bank, National Association appears since SBA names it as the holder; it is no judgment of policy at Wells Fargo Bank National Association or elsewhere.

Sacramento-Roseville-Folsom by asset class and by county in Sacramento-Roseville-Folsom, CA

Most of the Sacramento-Roseville-Folsom total sits outside the tracked asset classes: 3,690 loans that carry codes outside the table. The rows below are a partial view. The Sacramento-Roseville-Folsom class table opens with full-service restaurant, 244 loans, ahead of limited-service restaurant at 213 and automotive mechanical repair (car and truck) with 145. Lower in the table come assisted living (without nursing care) with 127 and hotel and motel at 117. By county, Sacramento County, CA accounts for 3,258 loans, followed by Placer County, CA with 1,302, with El Dorado County, CA third at 527. Land, rents and rivals vary by county, which the metro area total blends together.

Sacramento-Roseville-Folsom, CA: reading the outcome floors for Sacramento-Roseville-Folsom

Looking at FY2017 to FY2024 approvals, Sacramento-Roseville-Folsom cancellations came to at least 10.2%; counting loans still undisbursed as cancelled lifts the ceiling to 11.2%. Of 2,337 disbursed loans in the FY2017 to FY2021 group, at least 4.2% have been charged off, of which 2.7% came inside five years of approval. The cohort is still maturing, and these rates are floors, with later data able only to raise them. The busiest year was FY2025, with 733 loans for $406.1 million; the thinnest Sacramento-Roseville-Folsom year before FY2026 was FY2020, with 431 loans for $325.2 million. Membership in the Sacramento-Roseville-Folsom, CA metro area follows the project county: Sacramento County, CA, Placer County, CA and the rest. Then county membership follows the 2023 delineation, and a county that fails the name match is left out of Sacramento-Roseville-Folsom.

Sacramento-Roseville-Folsom, CA: what a Sacramento-Roseville-Folsom feasibility study has to test

In Sacramento-Roseville-Folsom, a study should be built for one site and one county, since area totals mix several markets. Sacramento-Roseville-Folsom lenders see full-service restaurant most often, so expect scrutiny of how Sacramento-Roseville-Folsom diners split by daypart, plus the lease term against payback and kitchen capacity against peak service. Projects in limited-service restaurant here turn on traffic counts and site visibility, with how a brand holds up in Sacramento-Roseville-Folsom close behind. Debt service coverage in Sacramento-Roseville-Folsom must hold in a soft year; the appraisal has to rest on local comparables and income. Since Sacramento-Roseville-Folsom loans skew large, the request must be tied to the project and not to the area.