Feasibility Study Consultant in Oklahoma City, OK: SBA and USDA

A feasibility study in Oklahoma City is read by a lender or a Certified Development Company before anyone else. In fiscal year 2025 this metro recorded 239 SBA 7(a) approvals for $126,218,900. One rule a lender meets here: Oklahoma City hotel tax rate set by a city vote.

The Oklahoma City, OK metro is home to about 1,497,821 residents per the U.S. Census Bureau Population Estimates, led by Oklahoma County at 816,490; Cleveland County at 303,952; Canadian County at 181,760; Grady County at 58,353.

A national template prices this metro on its 1,497,821 residents and stops there. The rules below come from the City of Oklahoma City, and each one changes a line of the model before a lender reads it.

Oklahoma City hotel tax rate set by a city vote. A City Manager report to the Oklahoma City Council, dated August 13, 2025, states that on August 27, 2024 the voters of Oklahoma City approved a change in the hotel tax from 5.5% to 9.25%, and that the new rate went into effect on October 1, 2024. The report states that hotel taxes are collected by local hotels and remitted to the City the following month, and that any sales tax collected by hotels is reported separately. It also states that the distribution of collections from the new hotel tax is set by ordinance. For a hotel feasibility study in Oklahoma City, the guest-facing lodging tax layer is 9.25%, not the 5.5% rate that older city materials may still show. The sales tax on a room is a separate line, and a lender-facing model should show both layers and confirm the rate against the current city ordinance.

Oklahoma City local sales tax rate set by the city. The City of Oklahoma City states on its taxes page that the local sales tax in Oklahoma City is 4.125 percent, and lists how that rate is divided, including 1 cent that goes to MAPS 4 projects. The page states the city rate alone. The Oklahoma state rate and any county rate are published separately by the Oklahoma Tax Commission, so a model must add them from that source. For a restaurant or hotel study inside Oklahoma City, the city layer is 4.125 percent on taxable sales, and it should be set as its own input rather than folded into a metro average. Sites outside the city limits sit under different local rates and need their own check against the commission's rate tables.

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 Oklahoma City 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 seven counties recorded 239 SBA 7(a) approvals for $126,218,900 and 12 SBA 504 approvals for $17,401,000.

In fiscal year 2025 the 7(a) approvals here came from BancFirst (60 loans, $26,160,700), Northeast Bank (33 loans, $6,451,000), and Newtek Bank, National Association (15 loans, $4,900,500), listed by approval count with the names as the SBA released them. The 504 approvals that year went through Rural Enterprises of Oklahoma, Inc. (7 loans), Small Business Capital Corporation (3 loans), Metro Area Development Corporation (1 loan), and Frontier Financial Partners, Inc. (1 loan). The SBA's district office field reads Oklahoma District Office on 239 of the 239 fiscal year 2025 7(a) rows, 100.0%.

Across fiscal years 2010 to 2026 disbursed, the ten asset classes tracked here account for 379 7(a) loans for $266,264,700 and 59 504 loans for $44,222,000 in this metro. In fiscal year 2025 alone those classes took 46 7(a) and 504 approvals for $40,847,400. 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 Oklahoma City the address decides it. The metro spans seven counties, from Oklahoma County at 816,490 residents to Lincoln County at 34,972, 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 restaurant feasibility study in Oklahoma City starts from the metro's own SBA record. Across fiscal years 2010 to 2026 disbursed, full and limited service restaurants account for 206 7(a) loans for $81,417,000 and 19 504 loans for $11,556,000 here, $92,973,000 in all. Hotels and motels come to $82,016,700 over the same years. On the full and limited service restaurants 7(a) loans that have resolved, the charge-off rate is 13.6%.

These are the points an underwriter in Oklahoma City 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 Oklahoma City, 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 Oklahoma City 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.