Feasibility Study Data for the Visalia, CA Metro Area

Visalia: volume, rank and ticket size across Visalia, CA

SBA approved 493 loans for projects in the Visalia, CA metro area between FY2017 and FY2026, worth $419.9 million in gross dollars. By loan count, Visalia ranks 170 of 928, Visalia, among all metro and micro areas, counting Visalia. The median ticket in Visalia is $382,500, with half of all loans between $150,000 and $969,000. The national comparison favors bigger tickets: with a median 1.84x of the national one. Nationally, Visalia loans run smaller than they do here.

Visalia: which programs and lenders serve Visalia, CA

The metro area shows 403 loans under 7(a), against 90 under 504. Most Visalia borrowers Visalia therefore meet the 7(a) rules. Franchise Visalia brands account for 19.1% of loans in this metro area. 36 loans worth $4.4 million put Wells Fargo Bank National Association first among 7(a) Visalia holders. Second place is Commonwealth Business Bank: 28 loans, $29.4 million. Further down, Bank of America, National Association shows 21 loans, and Celtic Bank Corporation at 20. For 504, the top name is Cen Cal Business Finance Group, holding 25 loans worth $21.2 million, and 22 loans sit at Southland Economic Development Corporation. Read the Visalia lender rows as SBA records of holdings. Wells Fargo Bank National Association appears because SBA lists it as current Visalia holder; that says nothing about how Commonwealth Business Bank underwrites.

Visalia: class and county mix across Visalia, CA

Most of the Visalia total sits outside the tracked asset classes: 305 loans that carry codes outside the Visalia table. The Visalia class rows therefore describe a minority of Visalia lending. The class table opens with gas station and truck stop, 57 loans, ahead of hotel and motel at 22, and limited-service restaurant at 17. Lower in the table come full-service restaurant with 14 and automotive Visalia mechanical repair (car and truck) at 13. The county table starts with Tulare County, CA at 493 loans. Demand differs across these counties, so the Visalia figure hides some spread.

Visalia, CA: outcomes and data limits for Visalia

Looking at FY2017 to FY2024 approvals, Visalia cancellations came to at least 11.8%; no ceiling is published beside the 11.8% floor, because that figure is withheld at the source. Visalia write-offs on 200 disbursed loans from FY2017 to FY2021 Visalia total at least 2.5% so far. The five-year Visalia rate is not reported, its Visalia cohort being under 30 Visalia loans, which is why no figure appears. Loans keep aging, making these minimums where a later reading can add but not subtract. Volume crested in FY2024, at 64 loans and $47.3 million, and the quietest Visalia year before FY2026 was FY2022, at 34 loans and $33.8 million. A loan joins the Visalia, CA figures through its project county, as with Tulare County, CA or Tulare County, CA, counties are allocated under the July 2023 delineation, yet Visalia counties that resist matching remain out of all totals.

Visalia: demand, cost, coverage and appraisal in Visalia, CA

In Visalia, a study must start from the specific county, because the metro area total blends separate markets. Gas station and truck stop is the lead class in Visalia, so expect scrutiny of lottery, food and c-store mix, plus pump count against queues and environmental history of Visalia sites. A Visalia request in hotel and motel the questions are the pipeline of new rooms and staffing cost per occupied room. Debt service coverage in Visalia has to survive a weak year; comparable sales near the Visalia site must support the value. With larger tickets common in Visalia, the study should tie the amount to real prices, and never to what neighbors borrowed.