Feasibility Study Data for the Shelton, WA Micro Area

Shelton, WA: volume and loan size, median $300,000

Shelton stands 462 of 928 by loans, drawing 103 SBA approvals over FY2017 to FY2026, $65.9 million gross. In Shelton, $300,000 is the median loan, 1.44x the national median. Half of Shelton loans sit between $50,000 and $899,250, larger tickets than the national norm. Lenders working Shelton see tickets from $50,000 to $899,250 most often. A Shelton study should place its project inside that $50,000 to $899,250 range in Shelton.

In Shelton, SBA 7(a) carries 98 loans and SBA 504 carries 5. In Shelton, franchise brands account for 8.7% of the loans. In Shelton, leading classes: gas station and truck stop with 11, limited-service restaurant with in Shelton 9 and hotel and motel with 5. Another 62 approvals fall in no named class, so Shelton totals 103 loans, more than its classes combined. Mason County, WA is the whole Shelton record: 103 approvals.

Shelton: holders of SBA loans in Shelton, WA

In Shelton, holder lists use SBA's file view of loans a firm retains or retained, under the holder note, which tells volume, not practice. Shelton holders should be read that way. Heading the Shelton SBA 7(a) list: Columbia Bank (OR) with 22 loans worth $721,700; Hanmi Bank with 8 loans worth $6.2 million; Heritage Bank (WA) with 8 loans worth $3.3 million. No holder in Shelton, WA reaches the 504 table threshold. The Shelton 504 side carries no lender names. In Shelton, the top holder leads the rest. A Shelton borrower may still approach any lender in Shelton.

Among Shelton approvals of FY2017 to FY2024, 10.8% were cancelled after approval, a floor. A Shelton ceiling, counting undisbursed loans as cancelled, is 10.8%. For Shelton, the charged-off rate among the funded loans of FY2017 to FY2021 remains hidden, cohort thin; silence about Shelton is not a claim of zero. Shelton trend: the busiest year is FY2025, at 18 loans. Shelton membership follows the county of the project, matched on the July 2023 delineation, thus the loan whose county fails to match sits in none of the areas. The 103 loans in Shelton, WA include those in no named class in Shelton.

Shelton: what a project study must test, per Shelton, WA

Start with demand in Shelton. Size the real catchment of the site, instead of the micropolitan area, while holding a slow start for Shelton. Cost needs care in Shelton. $300,000 is the median ticket, a guide, even if an outlier needs explaining, with contingency stated openly in Shelton. Finally, Shelton debt service coverage. Test coverage at the requested size alongside a weaker revenue case, to find the Shelton breakeven revenue. The value view meets a Shelton appraisal, so any rent figure must explain any gap in Shelton. Micropolitan Shelton offers a thin base of 103 loans. A Shelton study should disclose borrowed benchmarks. With Shelton at 1.44x the national median, projects run large. The study must justify its project for Shelton against $300,000.