Feasibility Study Data for the Yuba City, CA Metro Area

Lending in outline for Yuba City

299 approvals inside Yuba City, CA over FY2017 and FY2026 add up to $180.6 million gross. In turn, Yuba City sits at 243 of 928 within all CBSAs by loans. Next, $250,000 marks the middle loan; the middle half lies between $51,100 and $668,000. The median here is 1.20x in proportion to the median across the country, so a usual ticket lands over the national norm. Yuba City keeps to the counties in its area, never a state's mix of markets: 299 approvals in all.

Who finances projects in Yuba City

232 loans under 7(a) accompany 67 SBA 504 loans. Separately, 9.7% of all approvals involve franchisees here. Also, across 7(a) loans, the largest banks and lenders by count rank as U.S. Bank, National Association at 54 loans worth $5.7 million, Columbia Bank (OR) with 18 loans for $1.2 million, then JPMorgan Chase Bank, National Association holding 14 loans and $4.2 million. Next, across 504 lending, the top development companies on loan count stand as Greater Sacramento Certified Development Corporation booking 44 loans and $31.6 million plus The Mortgage Capital Development Corporation with 10 loans and $7.4 million. Beyond that, all the names follow SBA files for 299 loans; they describe past loans alone, not what lenders require near Yuba City.

The classes behind the loans in Yuba City

20 in gas station and truck stop, hotel and motel at 15, 8 in full-service restaurant, plus child care center with 5 top the class table by approvals. Also, 217 approvals lie outside every named class, so the Yuba City total reaches beyond any class table. In practice, County by county, Sutter County (185) then Yuba County (114) come first. In addition, by year, FY2017 begins at 25 loans and $11.2 million; FY2025 is the high point at 44 loans and $27.7 million, and FY2026, not yet a whole year, finishes the sequence at 36 loans and $23.0 million.

The outcome floors in Yuba City

11.9% of FY2017 to FY2024 loans in Yuba City were cancelled before they funded, a floor; 11.9% is the upper bound counting undisbursed loans. No default floor is given for Yuba City, CA; the cohort of disbursed loans is too sparse, and the gap does not mean zero. Beyond that, take each percentage on this page as a lower bound, as loans approved in the latest years got scant runway to be cancelled or charged off, across 299 loans. For context, an area on the page means the area containing each loan's county of the project, using July 2023 boundaries; every county were matched by name alone, but any loan whose project county has no CBSA is dropped from each area. Inside and outside the classes, each SBA 7(a) or 504 loan in Yuba City is tallied into its $180.6 million total.

The feasibility questions for Yuba City

Around Yuba City, an independent study of a building opens with the specific operator, rather than the 299-loan file. Then, customer demand in Yuba City is tested first: will Yuba City's neighbourhood demand carry the receipts projected, set against rivals in and near Sutter County? Separately, the median here stands at 1.20x measured against the nation's median, so local build costs may exceed norms for some trades; the cost section prices the scope against tenders from local trades. Worth noting: the coverage test binds revenue to cost for Yuba City: expected net income compared with the debt payments, along with a weak-sales case. For context, then the appraisal settles the question for Yuba City: market value on completion has to cover the amount put forward. Then, a borrower carrying a separate study for Yuba City, before speaking with the lenders above, addresses those floors early; approval rests with SBA and the lender for Yuba City, so a study cannot guarantee it.