SBA 504 Gas Station Feasibility Study in Wisconsin

Scale, size and standing of Wisconsin gas station loans under SBA 504

Across FY2017 and FY2026, SBA authorized 46 loans in the 504 program to gas station projects in Wisconsin, worth $31.0 million in gross dollars. Among the states, Wisconsin ranks 4 by count in this SBA 504 gas station group, and within Wisconsin gas station holds spot 7 of 39. The median gas station loan in Wisconsin is $352,500; against the national midpoint for gas station loans under SBA 504, 0.41x is the ratio, so Wisconsin projects use smaller amounts than their peers elsewhere. Half of all Wisconsin loans run from $246,250 to $895,750. The franchise share of Wisconsin loans is 76.1%. At $352,500, what sets Wisconsin's SBA 504 gas station cell apart from each parent is the median loan: gas station across both programs in Wisconsin, and gas station (SBA 504) lending nationally.

For Wisconsin gas station: lenders and local spread

By county, Milwaukee with 13, Fond Du Lac with 3, Saint Croix with 3 and Washington with 3 lead the gas station approvals in Wisconsin. Year by year in Wisconsin, approvals peaked at 9 loans, worth $6.2 million, in FY2020, while FY2026 shows 0 loans and $0; the series began in FY2017 at 7.

Wisconsin gas station: how to read the outcome floors

A minimum of 14.0% for cancellations, with the ceiling at 14.0%, covers FY2017 to FY2024 Wisconsin gas station approvals, and open loans change no figure. 30 gas station loans in Wisconsin went through disbursement during FY2017 to FY2021, and 0.00% are charged off to date, with 0.00% within five years; both are floors. Every Wisconsin gas station rate above is a minimum, since open gas station loans among the 46 can yet change. Bear this in mind when reading Wisconsin's 46 loans: In the Wisconsin loan data, a truck stop appears like every other gas outlet, since the code follows the borrower's industry; electric vehicle charging is no category of its own.

The tests a gas station (SBA 504) study in Wisconsin must answer

Because the 46 Wisconsin approvals are 504 financings, each combining a Wisconsin certified development company and a separate senior gas station lender, each is organised around owned Wisconsin real estate and long-lived gas station equipment, and the study must show an owned gas station project that can carry two layers of debt. A Wisconsin gas station feasibility study must separate gallons income from inside sales, then check both against corridor volumes. Site-condition history belongs in the Wisconsin cost test, plus tank and canopy costs. Stress the Wisconsin gas station numbers at the $352,500 median and at $895,750: coverage that survives only in the good year is not persuasive. An appraiser of a Wisconsin gas station will consider gallon throughput and margin separately against inside sales, and our projection must show both.

What Wisconsin lenders approved before is history, 46 loans' worth; a gas station study from Daniel Smith, MAI, for Wisconsin is where the project matters get answered, and these Wisconsin figures promise no approval.