Worked Example: SBA 7(a) Flex-Serve Car Wash Feasibility Study in Texas
A worked example of the feasibility study a lender would read for a car wash project in Texas, financed with an SBA 7(a) loan.
Feasibility Study Data for the San Antonio-New Braunfels, TX Metro Area
What SBA's own loan files show about lending in the San Antonio-New Braunfels, TX Metro Area, every asset class together, and what a feasibility study for a project there has to test.
San Antonio-New Braunfels lending, in outline
San Antonio-New Braunfels drew 3,515 SBA approvals across FY2017 to FY2026, worth $2.23 billion gross. Its loan-count rank is 38 of 928; San Antonio-New Braunfels is one of those areas. The San Antonio-New Braunfels median loan is $282,000. $115,250 to $729,500 spans the San Antonio-New Braunfels middle half. Against the national median, San Antonio-New Braunfels comes to 1.36x. In San Antonio-New Braunfels, 3,258 loans were 7(a) and 257 were 504. Franchise brands account for 22.8% of San Antonio-New Braunfels loans. Those 3,515 San Antonio-New Braunfels loans carry $2.23 billion.
San Antonio-New Braunfels: where the loans land
San Antonio-New Braunfels class leaders by loans: full-service restaurant (131), limited-service restaurant (123), and coffee shop and snack bar (98). Fourth in San Antonio-New Braunfels is hotel and motel, with 97 loans. 2,333 San Antonio-New Braunfels loans sit in no tracked class. Most San Antonio-New Braunfels credit is general business lending. By county, San Antonio-New Braunfels loans concentrate in Bexar County, TX (2,591), Comal County, TX (426), and Guadalupe County, TX (250). Bandera County, TX is the smallest listed San Antonio-New Braunfels county, with 17 loans, so the area is uneven.
San Antonio-New Braunfels: SBA holders
In San Antonio-New Braunfels, a holder can differ from the maker. San Antonio-New Braunfels 7(a) holders include The Huntington National Bank (192 loans, $77.7 million), Wells Fargo Bank National Association (183 loans, $45.2 million), and PNC Bank, National Association (149 loans, $71.0 million). San Antonio-New Braunfels lists, for 504, Texas Certified Development Company, Inc. (38 loans, $34.9 million) and North Texas Certified Development Corporation (17 loans, $18.7 million). In San Antonio-New Braunfels, a borrower treats the rows as context. San Antonio-New Braunfels rows promise no one a loan.
San Antonio-New Braunfels: cancellations and charge-offs
10.6% of San Antonio-New Braunfels approvals were cancelled. San Antonio-New Braunfels FY2017 to FY2024 data make that a floor. The San Antonio-New Braunfels ceiling is 11.5%, counting undisbursed loans as cancelled. 6.7% of 1,396 loans in San Antonio-New Braunfels have been charged off, FY2017 to FY2021 cohort, a floor. The San Antonio-New Braunfels five-year figure is 4.2%. Treat San Antonio-New Braunfels rates as floors. Later events lift them, San Antonio-New Braunfels included. Each San Antonio-New Braunfels loan is placed by county name. The July 2023 delineation defines San Antonio-New Braunfels. Unmatched counties drop out of San Antonio-New Braunfels. San Antonio-New Braunfels totals count loans outside the tracked classes.
San Antonio-New Braunfels: testing a project
San Antonio-New Braunfels approvals were thinnest in FY2020 (241 loans, $175.3 million) and heaviest in FY2025 (519 loans, $309.5 million). The first year, FY2017, shows 376 loans and $161.8 million for San Antonio-New Braunfels. The latest year, FY2026, shows 388 loans and $228.6 million for San Antonio-New Braunfels. For a project near Bexar County, TX, the San Antonio-New Braunfels study opens with demand: payers, frequency, price. Cost follows in San Antonio-New Braunfels: site, build and equipment priced against a $282,000 median. San Antonio-New Braunfels is 1.36x of the national one. A San Antonio-New Braunfels study runs coverage on a slow ramp. San Antonio-New Braunfels history of cancellations argues for it. The San Antonio-New Braunfels appraiser reads local comparables. The San Antonio-New Braunfels study reconciles them to cost. Sponsor equity and reserves in San Antonio-New Braunfels are shown beside Bexar County, TX costs. The San Antonio-New Braunfels study states its limits beside Bexar County, TX findings.
SBA loans in the San Antonio-New Braunfels, TX Metro Area
| Loans approved, FY2017 to FY2026 | 3,515 |
|---|---|
| Gross dollars approved | $2.23 billion |
| Median loan | $282,000 |
| Middle half of loans, from | $115,250 |
| Middle half of loans, to | $729,500 |
| SBA 7(a) loans | 3,258 |
| SBA 504 loans | 257 |
| Franchise share of loans | 22.8% |
| Rank among metro and micro areas by loans | 38 of 928 |
| Median loan against the national median | 1.36x |
Cancellation and charge-off
| Cancelled after approval, FY2017 to FY2024 approvals (a floor) | 10.6% |
|---|---|
| The same, counting loans still undisbursed as cancelled (a ceiling) | 11.5% |
| Charged off to date, FY2017 to FY2021 disbursed loans (a floor) | 6.7% |
| Charged off within five years of approval | 4.2% |
| Loans in that cohort | 1,396 |
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 San Antonio-New Braunfels, TX Metro Area, by fiscal year
| Fiscal year | Loans | Dollars |
|---|---|---|
| FY2017 | 376 | $161.8 million |
| FY2018 | 360 | $196.0 million |
| FY2019 | 264 | $178.5 million |
| FY2020 | 241 | $175.3 million |
| FY2021 | 327 | $298.4 million |
| FY2022 | 278 | $202.7 million |
| FY2023 | 330 | $255.1 million |
| FY2024 | 432 | $223.1 million |
| FY2025 | 519 | $309.5 million |
| FY2026 | 388 | $228.6 million |
Loans by asset class
| Asset class | Loans |
|---|---|
| Not in any of the 39 asset classes | 2,333 |
| Full-service restaurant | 131 |
| Limited-service restaurant | 123 |
| Coffee shop and snack bar | 98 |
| Hotel and motel | 97 |
| Fitness center | 93 |
| Automotive mechanical repair (car and truck) | 78 |
| Dental office | 77 |
| Medical office (physicians) | 74 |
| Child care center | 67 |
| Beauty salon | 60 |
| Gas station and truck stop | 52 |
| Rehabilitation and therapy clinic | 34 |
| Car wash | 28 |
| Self storage | 21 |
| Beverage manufacturing (breweries, wineries, distilleries) | 19 |
| Nonresidential lessor (flex, office and retail investor buildings) | 19 |
| Veterinary clinic | 18 |
| Assisted living (without nursing care) | 14 |
| Liquor store | 12 |
| School (elementary and secondary, including charter) | 11 |
| Caterers (includes banquet halls with catering staff) | 11 |
| RV park and campground | 8 |
| Urgent care and ambulatory surgery | 7 |
| Behavioral health and addiction treatment | 6 |
| Manufactured housing community (lessors of other real estate) | 5 |
| Diagnostic imaging center | 5 |
Classes with 5 or more loans; smaller ones are withheld, and more where a small one could be derived.
Most active SBA lenders
| Lender | Loans | Dollars |
|---|---|---|
| LiftFund, Inc. | 96 | $84.8 million |
| Capital Certified Development Corporation | 74 | $92.9 million |
| Texas Certified Development Company, Inc. | 38 | $34.9 million |
| North Texas Certified Development Corporation | 17 | $18.7 million |
| Alliance Lending Corporation | 13 | $12.1 million |
| Lender | Loans | Dollars |
|---|---|---|
| The Huntington National Bank | 192 | $77.7 million |
| Wells Fargo Bank National Association | 183 | $45.2 million |
| PNC Bank, National Association | 149 | $71.0 million |
| Newtek Bank, National Association | 139 | $50.4 million |
| Northeast Bank (ME) | 136 | $19.4 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 |
|---|---|
| Bexar County, TX | 2,591 |
| Comal County, TX | 426 |
| Guadalupe County, TX | 250 |
| Kendall County, TX | 116 |
| Wilson County, TX | 43 |
| Atascosa County, TX | 37 |
| Medina County, TX | 35 |
| Bandera County, TX | 17 |
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-41700.
Related feasibility study pages
- Texas feasibility studies for SBA and USDA loans
- Feasibility Study Data by Metro Area
- Feasibility studies for SBA 7(a) and 504 loans
- Feasibility Study Data for the Dallas-Fort Worth-Arlington, TX Metro Area
- Feasibility Study Data for the Houston-Pasadena-The Woodlands, TX Metro Area
- Feasibility Study Data for the Austin-Round Rock-San Marcos, TX Metro Area
- Feasibility Study Data for the El Paso, TX Metro Area
- Feasibility Study Data for the McAllen-Edinburg-Mission, TX Metro Area
- Feasibility Study Data for the Killeen-Temple, TX Metro Area
- Feasibility Study Data for the Lubbock, TX Metro Area
- Feasibility Study Data for the Waco, TX Metro Area
Feasibility study data by asset class in the San Antonio-New Braunfels, TX Metro Area
- Full-service restaurant
- Limited-service restaurant
- Coffee shop and snack bar
- Hotel and motel
- Fitness center
- Automotive mechanical repair (car and truck)
- Dental office
- Medical office (physicians)
- Child care center
- Beauty salon
- Gas station and truck stop
- Rehabilitation and therapy clinic
- Car wash
Worked examples
Loan Analytics prepares the feasibility study a lender reads before it commits: for a commercial project in the San Antonio-New Braunfels, TX 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.
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