SBA 7(a) Gas Station Feasibility Study in Idaho

What Idaho adds to the national gas station and truck stop picture

Set beside the country, Idaho contributes 47 SBA 7(a) loans for gas station and truck stop projects, $60.2 million overall, FY2017 to FY2026. In Idaho the class stands 12 of 39, and Idaho itself ranks 28 among states for gas station and truck stop. The $968,400 median is 0.88x of the gas station and truck stop median nationwide under SBA 7(a), so Idaho sits below what gas station and truck stop tickets show elsewhere. In Idaho, half of gas station and truck stop loans fall from $412,500 to $1.8 million, and franchising marks 40.4% of Idaho gas station and truck stop loans.

The gas station and truck stop holder table and map for Idaho

America First Federal Credit Union tops the Idaho gas station and truck stop holder list on 8 loans and $8.1 million; Southwestern National Bank (5 loans, $10.2 million) is second in Idaho. Idaho names follow SBA's current-holder field. Kootenai County, 9 loans, Ada County, 5 loans, Bannock County, 4 loans, Gooding County, 4 loans and Nez Perce County, 4 loans: those are the leading Idaho gas station and truck stop places.

Year-by-year volume in Idaho

The Idaho gas station and truck stop record opens at 4 loans and $5.6 million in FY2017, peaks at 12 loans ($14.0 million) in FY2024, and Idaho closes the series at 4 loans and $7.3 million in FY2026.

Floors for gas station and truck stop lenders to read

For gas station and truck stop approvals in Idaho through FY2024, SBA's Idaho records support a cancellation floor of 5.7% and a ceiling of 8.6%. For Idaho gas station and truck stop loans, no Idaho charge-off rate is shown for gas station and truck stop funded FY2017 to FY2021: the Idaho cohort is under the threshold, and for gas station and truck stop that is not zero.

Idaho stations and truck stops: the study's job

In Idaho, a fuel site often serves long-haul and recreational traffic as well as locals, so a study should separate those streams, show winter and summer volumes, and compare nearby competitors along the same routes. Inside sales, food service and fuel supply terms belong in the forecast, and tank condition and remediation exposure need clear treatment. Test the capital plan against loans around $968,400, show coverage at a cautious gallonage, and expect the appraiser to split the going concern from the land and building.

Idaho stations and travel centers in one code

Stations without a store and travel centers share a code, so Idaho cannot separate them; electric charging has no entry in the national index either. A plan built on those features needs its own demand proof.