Feasibility Study Data for the Santa Rosa-Petaluma, CA Metro Area
What SBA's own loan files show about lending in the Santa Rosa-Petaluma, CA Metro Area, every asset class together, and what a feasibility study for a project there has to test.
Santa Rosa-Petaluma: volume, rank and ticket size across Santa Rosa-Petaluma, CA
The agency approved 1,182 SBA loans across the Santa Rosa-Petaluma, CA metro area between FY2017 and FY2026, carrying $785.1 million across every asset class. By loan count, Santa Rosa-Petaluma ranks 82 of 928 against every other statistical area, Santa Rosa-Petaluma among them. The local median loan is $370,500, while the middle half span $150,000 to $763,750. The national comparison favors bigger tickets: at 1.78x of the national median. Large loans are the first thing that sets Santa Rosa-Petaluma apart.
Santa Rosa-Petaluma lenders and the programs they use in Santa Rosa-Petaluma, CA
The program split in Santa Rosa-Petaluma is 877 under 7(a) and 305 under 504, Santa Rosa-Petaluma leaving 504 as the minority route. The franchise share of Santa Rosa-Petaluma loans is 6.9% in this metro area. In 7(a), the biggest holder is Redwood CU: 123 loans, $41.7 million in all, followed by Exchange Bank (CA) with 103 loans and $58.2 million. Also in the 7(a) table: U.S. Bank, National Association at 71 loans, then 64 for Live Oak Banking Company. 504 lending here runs through Capital Access Group, Inc., at 128 loans and $81.4 million, just ahead of Bay Area Employment Development Company at 97. These are SBA's records of Santa Rosa-Petaluma loans held or once held. A row for Redwood CU appears as the holder SBA reports; nothing here speaks to what Exchange Bank (CA) asks of an applicant.
Santa Rosa-Petaluma lending broken out by class and county in Santa Rosa-Petaluma, CA
The larger share of the Santa Rosa-Petaluma record falls outside the class table: 789 loans under other industry codes. Class numbers here cover only part of the area. Among tracked Santa Rosa-Petaluma classes, full-service restaurant leads with 70 loans, ahead of beverage manufacturing (breweries, wineries, distilleries) at 48 and assisted living (without nursing care) with 38. Lower in the table come dental office with 34 and limited-service restaurant at 32. By county, Sonoma County, CA accounts for 1,182 loans. Demand differs between these counties, so the Santa Rosa-Petaluma figure hides some spread.
Santa Rosa-Petaluma: outcome rates, trend and data limits in Santa Rosa-Petaluma, CA
Looking at FY2017 to FY2024 approvals, Santa Rosa-Petaluma cancellations came to at least 8.1%, and up to 8.9% if undisbursed Santa Rosa-Petaluma loans are added to the cancelled. Charge-offs to date are at least 3.5% for the FY2017 to FY2021 disbursed group of 521 loans. Within five years of approval, 1.9% were charged off. Loans keep seasoning, and these rates are floors, where a subsequent reading can add but never subtract. FY2025 was the high point: 162 loans worth $87.2 million. FY2020, with 78 loans and $44.2 million, was the weakest year before FY2026. Santa Rosa-Petaluma is built from project counties such as Sonoma County, CA; federal borders from July 2023 settle which counties count, with Santa Rosa-Petaluma counties matched by name.
Santa Rosa-Petaluma projects and the study behind them in Santa Rosa-Petaluma, CA
A study for a Santa Rosa-Petaluma project must start from the particular county, because the counties inside the metro Santa Rosa-Petaluma area are not alike. With full-service restaurant first in the Santa Rosa-Petaluma class table, the study should test how Santa Rosa-Petaluma diners split by daypart, seats against realistic covers and what prime cost leaves for debt. For beverage manufacturing (breweries, wineries, distilleries), the next class in Santa Rosa-Petaluma, the questions are seasonal cash cycles and competing producers near Santa Rosa-Petaluma. Debt service coverage in Santa Rosa-Petaluma should be run against a downturn; the appraisal needs local transactions and rents behind it. With larger tickets common in Santa Rosa-Petaluma, the request must be tied to cost and cash flow, not to local habit.
SBA loans in the Santa Rosa-Petaluma, CA Metro Area
| Loans approved, FY2017 to FY2026 | 1,182 |
|---|---|
| Gross dollars approved | $785.1 million |
| Median loan | $370,500 |
| Middle half of loans, from | $150,000 |
| Middle half of loans, to | $763,750 |
| SBA 7(a) loans | 877 |
| SBA 504 loans | 305 |
| Franchise share of loans | 6.9% |
| Rank among metro and micro areas by loans | 82 of 928 |
| Median loan against the national median | 1.78x |
Cancellation and charge-off
| Cancelled after approval, FY2017 to FY2024 approvals (a floor) | 8.1% |
|---|---|
| The same, counting loans still undisbursed as cancelled (a ceiling) | 8.9% |
| Charged off to date, FY2017 to FY2021 disbursed loans (a floor) | 3.5% |
| Charged off within five years of approval | 1.9% |
| Loans in that cohort | 521 |
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 Santa Rosa-Petaluma, CA Metro Area, by fiscal year
| Fiscal year | Loans | Dollars |
|---|---|---|
| FY2017 | 127 | $84.9 million |
| FY2018 | 113 | $58.8 million |
| FY2019 | 117 | $75.8 million |
| FY2020 | 78 | $44.2 million |
| FY2021 | 136 | $118.2 million |
| FY2022 | 117 | $99.4 million |
| FY2023 | 103 | $66.0 million |
| FY2024 | 115 | $66.0 million |
| FY2025 | 162 | $87.2 million |
| FY2026 | 114 | $84.5 million |
Loans by asset class
| Asset class | Loans |
|---|---|
| Not in any of the 39 asset classes | 789 |
| Full-service restaurant | 70 |
| Beverage manufacturing (breweries, wineries, distilleries) | 48 |
| Assisted living (without nursing care) | 38 |
| Dental office | 34 |
| Limited-service restaurant | 32 |
| Hotel and motel | 21 |
| Automotive mechanical repair (car and truck) | 19 |
| Fitness center | 16 |
| Coffee shop and snack bar | 16 |
| Liquor store | 15 |
| Grocery store | 11 |
| Beauty salon | 10 |
| Veterinary clinic | 9 |
| Gas station and truck stop | 8 |
| Rehabilitation and therapy clinic | 7 |
| Caterers (includes banquet halls with catering staff) | 7 |
| Behavioral health and addiction treatment | 6 |
| Child care center | 6 |
| Car wash | 5 |
| Medical office (physicians) | 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 |
|---|---|---|
| Capital Access Group, Inc. | 128 | $81.4 million |
| Bay Area Employment Development Company | 97 | $82.8 million |
| The Mortgage Capital Development Corporation | 52 | $62.3 million |
| California Statewide Certified Development Corporation | 12 | $9.2 million |
| Business Finance Capital | 6 | $5.5 million |
| Lender | Loans | Dollars |
|---|---|---|
| Redwood CU | 123 | $41.7 million |
| Exchange Bank (CA) | 103 | $58.2 million |
| U.S. Bank, National Association | 71 | $24.6 million |
| Live Oak Banking Company | 64 | $74.5 million |
| Wells Fargo Bank National Association | 59 | $29.0 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 |
|---|---|
| Sonoma County, CA | 1,182 |
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-42220.
Related feasibility study pages
- California feasibility study company
- Feasibility Study Data by Metro Area
- SBA feasibility study company
- Feasibility Study Data for the Los Angeles-Long Beach-Anaheim, CA Metro Area
- Feasibility Study Data for the Riverside-San Bernardino-Ontario, CA Metro Area
- Feasibility Study Data for the San Francisco-Oakland-Fremont, CA Metro Area
- Feasibility Study Data for the San Diego-Chula Vista-Carlsbad, CA Metro Area
- Feasibility Study Data for the Sacramento-Roseville-Folsom, CA Metro Area
- Feasibility Study Data for the San Jose-Sunnyvale-Santa Clara, CA Metro Area
- Feasibility Study Data for the Oxnard-Thousand Oaks-Ventura, CA Metro Area
- Feasibility Study Data for the Fresno, CA Metro Area
Feasibility study data by asset class in the Santa Rosa-Petaluma, CA Metro Area
Loan Analytics prepares the feasibility study a lender reads before it commits: for a commercial project in the Santa Rosa-Petaluma, CA 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.
Request Scope & Timeline
Start with the data.
Contact Us