Feasibility Study Consultant in Albuquerque, NM: SBA and USDA

A feasibility study in Albuquerque is read by a lender or a Certified Development Company before anyone else. In fiscal year 2025 this metro recorded 143 SBA 7(a) approvals for $88,995,900. One rule a lender meets here: Albuquerque lodgers' tax on lodging rent.

The Albuquerque, NM metro is home to about 926,303 residents per the U.S. Census Bureau Population Estimates, led by Bernalillo County at 671,747; Sandoval County at 157,757; Valencia County at 80,813; Torrance County at 15,986.

A national template prices this metro on its 926,303 residents and stops there. The rule below comes from the City of Albuquerque, and it changes a line of the model before a lender reads it.

Albuquerque lodgers' tax on lodging rent. The City of Albuquerque lodgers' tax ordinance states that an occupancy tax of 5% of gross taxable rent for lodging is imposed on rent paid to vendors. The ordinance requires every vendor providing lodgings within the city to collect the tax on behalf of the city, to collect it from the guest, and to charge it separately from the rent the vendor fixes. It defines taxable premises broadly: the list names a hotel, a bed and breakfast, a motor court, a trailer park and a tourist camp, among other lodging types. For a hotel, bed and breakfast or RV park feasibility study inside the City of Albuquerque, the 5% tax is a separate line on the guest bill and not part of the room rate, so the model should keep it out of net room revenue and should test the guest's total price at the quoted rate plus the tax. A site outside the city limits needs its own check of the local rule.

Nationally, the U.S. Small Business Administration closed fiscal year 2025 having guaranteed 84,400 7(a) and 504 loans for $44.8 billion. This page computes the Albuquerque share from the SBA's own 7(a) and 504 FOIA release, as of June 30, 2026, by member county rather than by district office: in fiscal year 2025 the metro's four counties recorded 143 SBA 7(a) approvals for $88,995,900 and 15 SBA 504 approvals for $15,062,000.

In fiscal year 2025 the 7(a) approvals here came from U.S. Bank, National Association (13 loans, $2,275,900), Live Oak Banking Company (12 loans, $14,825,000), Newtek Bank, National Association (11 loans, $5,329,000), and Northeast Bank (11 loans, $1,243,700), listed by approval count with the names as the SBA released them. The 504 approvals that year went through Capital Certified Development Corporation (5 loans), Enchantment Land Certified Development Company (5 loans), and B:Side Capital (4 loans). The SBA's district office field reads New Mexico District Office on 143 of the 143 fiscal year 2025 7(a) rows, 100.0%.

Across fiscal years 2010 to 2026 disbursed, the ten asset classes tracked here account for 188 7(a) loans for $175,135,600 and 45 504 loans for $45,540,000 in this metro. In fiscal year 2025 alone those classes took 25 7(a) and 504 approvals for $26,471,300. The table sets out each class; a cell under five loans is not shown, and a charge-off rate is printed where 30 or more loans have resolved and left blank below that.

USDA Business and Industry and USDA Community Facilities credit runs on a statutory geography rather than on a county line. Under 7 U.S.C. 1991(a)(13)(A) the terms rural and rural area mean any area other than a city or town that has a population of greater than 50,000 inhabitants and any urbanized area contiguous and adjacent to such a city or town. The test turns on the subject address and the urbanized-area boundary around it, not on the name of a county or a metro. For a project in Albuquerque the address decides it. The metro spans four counties, from Bernalillo County at 671,747 residents to Torrance County at 15,986, and an urbanized-area boundary follows the census map rather than any county line. MMCG checks the subject address against the USDA Rural Development eligibility map at intake, before work on the study begins, and this page names no town as eligible.

A hotel feasibility study in Albuquerque starts from the metro's own SBA record. Across fiscal years 2010 to 2026 disbursed, hotels and motels account for 42 7(a) loans for $93,100,600 and 14 504 loans for $21,215,000 here, $114,315,600 in all. Full and limited service restaurants come to $35,909,000 over the same years.

For a hotel in this metro the publisher rules above are model lines rather than background: Albuquerque lodgers' tax on lodging rent (the City of Albuquerque).

These are the points an underwriter in Albuquerque reads before the rest of the file. Each traces to a government publisher or to the SBA's own file.

MMCG starts from the project address, the asset class and the lender or Certified Development Company contact. The address settles the county and the rules set out above; the asset class sets which part of the SBA record applies.

The report names its sources the way this page does: the City of Albuquerque, the SBA FOIA release, and the Census Bureau's population estimates. The method is set out in full in MMCG's feasibility study methodology.

MMCG Invest, LLC is a feasibility study consultancy that specializes in SBA and USDA feasibility studies for lenders, Certified Development Companies, USDA Rural Development guaranteed lenders and the borrowers they serve, with Albuquerque among the markets it covers. The practice is led by Michal Mohelsky, J.D., FMVA, Practicing Affiliate of the Appraisal Institute. Reports are prepared under SBA SOP 50 10 8.1 for 7(a) and 504 files and under 7 CFR Part 5001 for USDA files, and each one states which schedule, rate and boundary it relied on so a credit officer can check the work. Pricing starts at $4,900, standard delivery runs 9 to 16 business days, a rush track delivers in 5 business days, and every inquiry receives a response within 12 business hours.