Feasibility Study Data for the Truckee-Grass Valley, CA Micro Area

Truckee: what the area shows

Truckee-Grass Valley, CA is a micropolitan area, and its 240 SBA approvals in FY2017 to FY2026 carried $140.4 million in gross dollars. Truckee is a mid-table area: 280 of 928 by loans. In Truckee-Grass Valley, CA, every asset class is pooled for Truckee. That view of Truckee is missing from CA and national tables.

Truckee: half of loans run $100,600 to $585,100, around a median of $274,850. Truckee sits well above the national level: its 1.32x ratio to the national median means Truckee requests sized nationally may look small. Truckee counts 205 loans under 7(a) and 35 under 504, so 7(a) carries the Truckee mix. Truckee franchised businesses took 7.9% of loans, so a branded concept in Truckee needs a brand-cost check in Truckee.

Truckee: classes, places and lenders

Truckee class counts run full-service restaurant at 15, hotel and motel at 8, limited-service restaurant at 6, veterinary clinic at 5. 164 Truckee loans sit outside the tracked classes, so Truckee operating businesses show up in these totals. Truckee lending concentrates by county: Nevada County, CA (240 loans). Truckee 7(a) volume: U.S. Bank, National Association ($8.0 million, 26 loans); Plumas Bank ($16.6 million, 24 loans); Wells Fargo Bank National Association ($3.3 million, 17 loans). Truckee 504 leaders: The Mortgage Capital Development Corporation ($11.5 million, 10 loans); California Statewide Certified Development Corporation ($10.7 million, 9 loans); Greater Sacramento Certified Development Corporation ($5.7 million, 6 loans), in that order. U.S. Bank, National Association, with 26 loans, tops the Truckee rows, each an SBA record of Truckee loans held or once held; none judges Truckee lenders.

Truckee ended FY2026 at 26 loans, higher than FY2017's 22; the peak came in FY2019 (31 loans, $13.0 million) and the low in FY2018 (17). Truckee cancellations stand at 7.9%, a floor, for Truckee approvals in FY2017 to FY2024; Truckee's ceiling is withheld, never zero in Truckee. A charge-off floor for Truckee would rest on a thin cohort of 240 loans, so Truckee withholds it; withheld is not zero. Truckee-Grass Valley, CA membership follows the July 2023 delineation; Truckee counties are matched by name, and a Truckee loan with no match is dropped, so 240 is a floor, and every Truckee rate is too.

Truckee: the study questions

A Truckee feasibility study begins with Truckee demand from the right counties: Nevada County, CA leads the loan counts, though Truckee is wider. If a Truckee concept resembles full-service restaurant, Truckee offers size and lender precedent; other Truckee concepts must rest on their own Truckee evidence. Test Truckee coverage of debt service on a $274,850 loan, and on a $585,100 loan, after pricing Truckee costs from bids. Truckee is micropolitan, so Truckee sales are thin and the appraisal must show its reach there. The Truckee record frames questions, and each lender in Truckee decides on its own.