Feasibility Study Data for the Twin Falls, ID Metro Area

Twin Falls among metropolitan areas, ranked by 251 loans

Among metro and micro areas, Twin Falls ranks 271 of 928 by loans, with 251 approvals over FY2017 to FY2026 and $118.1 million gross. Smaller tickets mark Twin Falls. The Twin Falls median of $175,000 is 0.84x the national figure; in Twin Falls, half of loans span $72,300 to $466,000. The gap between $72,300 and $466,000 in Twin Falls shows how varied borrowers are. Twin Falls offers no typical loan in Twin Falls.

By program, Twin Falls holds 198 SBA 7(a) loans beside 53 SBA 504 loans. Franchised businesses in Twin Falls make up 10.8% of loans. In Twin Falls, ID, classes rank dental office with 8, medical office with 7 and hotel and motel with 5. 178 Twin Falls loans belong to no tracked class. The 251 total counts them. Twin Falls project locations concentrate in Twin Falls County, ID with 221 and Jerome County, ID with 30 in Twin Falls.

Twin Falls, ID: lenders behind the 251 loans

In Twin Falls, lender lines come from SBA's file view in Twin Falls of loans a firm keeps or kept in Twin Falls, in the holder field, and they describe a book only. Twin Falls holders should be read that way. In Twin Falls, leading SBA 7(a) holders are D. L. Evans Bank with 30 loans worth $4.4 million; Zions Bancorporation, National Association with 30 loans worth $4.1 million; Idaho Central CU with 15 loans worth $6.5 million. In the Twin Falls SBA 504 table, the leading holders are Region IV Development Corporation with 31 loans worth $16.1 million; Capital Matrix, Inc. with 9 loans worth $6.6 million; East-Central Idaho Development Company with 5 loans worth $4.8 million. In Twin Falls, the top holder leads the rest. A Twin Falls borrower may still approach any lender in Twin Falls.

Cancellation floor, Twin Falls: 11.6% of FY2017 to FY2024 approvals. One more Twin Falls figure, a ceiling treating loans awaiting disbursement as cancelled stays unprinted for Twin Falls, as withheld. Twin Falls charge-offs to date, for the funded loans in Twin Falls of FY2017 to FY2021 is withheld in Twin Falls, resting on too few loans; the Twin Falls gap is not zero and not estimated. Twin Falls approvals peaked in FY2017, at 34 loans. Boundaries for Twin Falls come from the county of the project, matched using the July 2023 delineation, therefore that loan with an unmatched county is left out of every area. The 251 loans in Twin Falls, ID include those in no named class in Twin Falls.

Twin Falls: testing a project in Twin Falls, ID

The Twin Falls test begins with demand. Size the real catchment of the project address alone, and let a weak first year pass. After demand, Twin Falls cost. $175,000 is the median ticket in Twin Falls, a guide in Twin Falls, while each line belongs on a quote, including a reserve for slow Twin Falls months. Coverage of debt service is the Twin Falls test. Test coverage at the requested size also with lower sales, with interest and term stated for Twin Falls. The Twin Falls appraisal is the final gate: so any rent figure ought to trace to evidence in Twin Falls. In Twin Falls, 251 loans spread over many neighbourhoods, and a Twin Falls study must say which it targets. At 0.84x of the national median, Twin Falls projects run modest in Twin Falls. A large project must show why Twin Falls can absorb its scale, against $175,000.