SBA & USDA Feasibility Study Consultants

Our SBA and USDA feasibility studies align precisely with the expectations of loan underwriters.

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How Can Our SBA & USDA Feasibility Study Help?

Our Proven Feasibility Study Methodology

Access to SBA & USDA‑Compliant Data Sources

We curate a purpose‑built data stack that mirrors the information screens federal underwriters consult. In addition to U.S. Census micro‑datasets, BLS wage files, and ERS rural income reports, we ingest FFIEC Community Reinvestment Act (CRA) tract data, SBA 7(a)/504 portfolio performance statistics, and USDA Rural Development guarantee loss histories.

Each datapoint is tagged to the relevant citation in SBA SOP 50 10 7 and USDA RD 4279‑B so credit officers can trace every assumption back to regulator‑accepted evidence. This audit trail removes friction during file review, shortens the questions‑and‑answers cycle, and positions your project for faster loan committee clearance.

Program‑Specific Supply–Demand Validation

Our competitive‑gap analysis is engineered to pass the “public‑benefit” and “additionality” tests embedded in federally guaranteed lending. We quantify addressable demand by NAICS code, borrower size, and rural eligibility status, then triangulate competing supply within the defined SBA 7(a)/504 or USDA B&I/REAP footprint. Proprietary gravity‑modeling weights drive‑time, income migration, and digital substitution effects to reveal unserved niches that satisfy job‑creation, rural‑revitalization, and community‑impact scorecards.

The deliverable is a narrative and data appendix that make it crystal‑clear to underwriters—and ultimately to the SBA or USDA loan specialists—why this project fills a verified market gap.

Lender‑Ready Financial Projections & Stress Tests

We deliver a fully linked, five‑year model structured around the exact input lines found in SBA Forms 1919/1920 and USDA Forms 4279‑1/2. Pro‑forma statements roll up to DSCR, collateral coverage, and global cash‑flow metrics benchmarked to both agencies’ underwriting thresholds.

Each key driver is cross‑validated against audited peer financials and government construction‑cost indices, then subjected to Monte Carlo volatility scans and downside cases that replicate SBA “credit elsewhere” and USDA “reasonable assurance” stress tests. Output tabs are pre‑formatted for direct import into lender credit templates and covenant‑monitoring systems, enabling analysts to move from model to memo without re‑keying data—accelerating approval while withstanding examiner scrutiny.

Loan Analytics.

Unlocking the Power of Data: Illuminate Your Business with our Feasibility Study Intelligence.

Loan Analytics bridges the gap between loan applicants and lenders with independent SBA feasibility studies and USDA feasibility studies that stand up to the most rigorous credit committees. Our consultants combine deep sector knowledge with advanced analytics to deliver lender‑ready reports that quantify market demand, benchmark competitive positioning, and validate financial viability.

Why a Third‑Party SBA Feasibility Study—or USDA Feasibility Study—Matters

SBA and USDA loan programs frequently require an unbiased feasibility study that conforms to each agency’s guidelines. An objective, data‑rich report:

Identifies project risks early, allowing applicants to mitigate weaknesses before submission.
Highlights value‑creating strengths, giving lenders confidence in repayment capacity.
Streamlines underwriting, cutting review cycles and improving approval odds.

Our Proven Feasibility Study Methodology

Market Intelligence – GIS‑based demand modeling, demographic trends, and competitor mapping.
Operational Benchmarks – Cost structures, capacity assumptions, and best‑practice KPIs.
Financial Forecasts – Five‑year pro formas, sensitivity scenarios, and break‑even analyses.
Risk & Mitigation Framework – Quantitative risk scoring aligned with SBA/USDA requirements.
Lender‑Ready Presentation – Executive summary, appendices, and digital data room materials.

Industries We Serve Nationwide

Commercial Real Estate & Hospitality – hotels, mixed‑use, office conversions.
Manufacturing & Logistics – light industrial, distribution, food processing.
Agriculture & Energy – vertical farming, bio‑gas, solar, and more.

Our team has completed studies in all 50 states, giving us a panoramic view of regional demand drivers and regulatory nuances.

Ready for Your SBA or USDA Feasibility Study?

Whether you’re pursuing a 7(a) hotel construction loan or a USDA Business & Industry guarantee, Loan Analytics delivers the clarity lenders expect. Engage us early to strengthen your application and move from concept to closing with confidence.

Contact us today for a complimentary scope discussion and timeline.

SBA & USDA Feasibility Studies

Bankable analytics for lenders, investors, and sponsors

Our team brings Big‑Three consulting rigor to the highly regulated world of government‑guaranteed lending. Every study we produce is engineered to withstand the scrutiny of credit committees, CDCs, the SBA Sacramento Center, and USDA Rural Development reviewers—delivered on time, audit‑ready, and formatted for direct insertion into loan memos.

SBA 7(a) & 504—Typical Project Mandates

Owner‑occupied real estate: medical, dental, veterinary, professional services, light industrial condos
Hospitality & leisure: limited‑ and select‑service hotels, boutique inns, RV parks, campgrounds, wedding venues
Food & beverage production & retail: QSR and casual‑dining restaurants, craft breweries/distilleries, specialty food manufacturing, commissary kitchens
Automotive & convenience assets: gas stations, c‑stores, express car washes, lube/oil centers
Franchised & personal‑services concepts: childcare, tutoring, senior day‑care, fitness and wellness studios
Specialty asset classes: self‑storage, cold‑storage distribution, indoor agriculture, aquaculture, micro‑fulfillment hubs

USDA Business & Industry | Community Facilities | REAP

Rural manufacturing & value‑added ag: dairy or meat processing plants, sawmills, grain milling, fiber extrusion
Renewable energy & bio‑economy: solar PV and BESS farms, anaerobic digesters, biomass/wood‑pellet, RNG facilities
Cold‑chain & logistics: food‑grade warehouses, cross‑dock terminals, intermodal rail spurs
Healthcare & social infrastructure: critical‑access hospitals, rural medical clinics, assisted‑living and skilled‑nursing facilities
Tourism & recreation: eco‑lodges, destination marinas, agritourism resorts, heritage attractions
Broadband & utilities: fiber backbones, 5G tower deployments, water & wastewater upgrades under WEP and ReConnect

Across both programs we quantify market demand, competitive positioning, revenue ramps, cost structures, job creation, and collateral adequacy. Our models integrate regional demographic shifts, scenario‑based stress testing, and sovereign‑curve discount rates to generate clear recommendations—go / no‑go, optimal leverage, and covenant design—giving lenders the confidence to close and service the loan.