Feasibility Study Consultant in Dover, DE: SBA and USDA

A feasibility study in Dover, DE is read by a lender or a Certified Development Company before anyone else. In fiscal year 2025 this metro recorded 50 SBA 7(a) approvals for $7,772,100. One rule a lender meets here: Delaware public accommodations lodging tax.

The Dover, DE metro is home to about 192,690 residents per the U.S. Census Bureau Population Estimates, all of them in Kent County.

A national template prices this metro on its 192,690 residents and stops there. The rules below come from the State of Delaware, and each one changes a line of the model before a lender reads it.

Delaware public accommodations lodging tax. The Delaware Division of Revenue states that persons engaged in the business of providing sleeping accommodations to the general public are required to obtain a license and collect an 8% lodging tax. Its guidance states that Section 6102 of Title 30 of the Delaware Code imposes an excise tax on the rents received from the occupancy of a room or rooms in a hotel, motel or tourist home within Delaware, imposed on the occupant and collected and remitted monthly by the operator. It also states that separate charges for meals, room service, telephone calls, parking and valet services are not subject to the lodging tax. For a hotel or motel feasibility study in Dover, the 8% applies to the room rent, so the model should keep the room line apart from food, parking and valet lines. This is the state rule, so a city or county add-on, if any, needs its own source.

Delaware gross receipts tax rates by license category. The Delaware Division of Revenue publishes a detailed list of business license categories with an annual fee, a current tax rate, a return frequency and an exclusion for each. The list shows the general retailer category at a current tax rate of 0.007468, returns due monthly, with an exclusion of 100,000. It shows the restaurant retailer category at 0.006472, also with monthly returns and an exclusion of 100,000. Petroleum retailers appear as a separate listed category with their own footnote. For a restaurant, retail or fuel feasibility study in Dover, the license category decides the rate, so the model should assign the project to the right category on this list, read the exclusion column, and run the monthly return cycle in its cash-flow timing. The list does not describe how the exclusion operates beyond the table, so the Division's guidance has to be read before the net tax is computed.

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 Dover, DE 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 single county recorded 50 SBA 7(a) approvals for $7,772,100 and 0 SBA 504 approvals for $0.

In fiscal year 2025 the 7(a) approvals here came from Manufacturers and Traders Trust Company (24 loans, $1,124,400), Wilmington Savings Fund Society FSB (7 loans, $3,581,000), Newtek Bank, National Association (4 loans, $491,000), and Northeast Bank (4 loans, $300,000), listed by approval count with the names as the SBA released them. The SBA's district office field reads Delaware District Office on 50 of the 50 fiscal year 2025 7(a) rows, 100.0%.

Across fiscal years 2010 to 2026 disbursed, the ten asset classes tracked here account for 35 7(a) loans for $26,955,500 and 5 504 loans for $4,861,000 in this metro. In fiscal year 2025 alone those classes took 2 7(a) and 504 approvals for $1,422,000. 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 Dover, DE the address decides it. The metro is one county, Kent County, with 192,690 residents, 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 Dover, DE starts from the metro's own SBA record. Across fiscal years 2010 to 2026 disbursed, hotels and motels account for fewer than five 7(a) loans and fewer than five 504 loans here, $14,733,000 in all. Full and limited service restaurants come to $10,851,500 over the same years.

For a hotel in this metro the publisher rules above are model lines rather than background: Delaware public accommodations lodging tax (the State of Delaware).

These are the points an underwriter in Dover, DE 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 State of Delaware, 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 Dover, DE 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.