ARIZONA · NAICS 713930
Arizona marina and boat storage projects run on Lake Powell, Lake Havasu, and the Salt River chain, where covered and indoor boat storage carries premium economics against the desert climate. Studies translate slip mix, wet and dry storage, fuel and service revenue, and seasonal demand into projections, with climate-controlled storage carrying off-season revenue.
FEASIBILITY TRIGGER
Marinas and boat storage are special-purpose under SOP 50 10 8, so a third-party feasibility study is normally required with an industry-experienced going-concern appraiser and elevated equity applies.
From FY2010 through FY2026, Arizona recorded 3 SBA-disbursed marina and boat storage loans across the 7(a) and 504 programs, representing $6.6 million in approved financing at an average loan size of $2.2 million. The state sits at rank #30 of 38 for marina and boat storage SBA lending volume and holds 1.6% of the national marina and boat storage dollar pool. 7(a) accounts for 66.7% of the count, 504 for the rest, with 0 fresh approvals dated FY2024 or later.
| Disbursed loans (FY2010–FY2026) | 3 |
| Approved volume | $6.6 million |
| Average loan size | $2.2 million |
| 7(a) share | 66.7% |
| Approvals since FY2024 | 0 |
| State rank by loan count | #30 of 38 |
The state-level seasoned cohort in this segment is below our publication threshold of 30 loans, so no state rate is shown. Nationally, seasoned marina and boat storage loans (approvals FY2010–FY2021) show an adverse-resolution rate of 3.0%, against 7.3% across all industries.
Source: SBA 7(a) and 504 FOIA loan-level data, as of March 31, 2026. Disbursed loans only. See data methodology.
An adverse-resolution rate of 3.0%, close to the national marina and boat storage benchmark of 3.0%, puts Arizona deals in this class on ordinary SBA credit footing. Across 3 loans averaging $2.2 million, the underwriting question is deal-specific: a rigorous third-party feasibility study is where documented demand and stressed coverage decide the credit outcome.
Every Arizona marinas and boat storage project we underwrite follows the same lender ready process: independent market analysis, site and technical review, and financial projections tested against SBA SOP 50 10 8 standards. Our SBA feasibility study consultants guide explains scope, timing, deliverables, and what lenders and CDCs expect in the report.
Arizona projects most often pencil under SBA 504 because the 50/40/10 structure delivers up to 90 percent financing on owner-occupied real estate at a fixed debenture rate, which is decisive in a state where Sun Belt growth has pushed land and improvement costs higher each cycle. SBA 7(a) covers acquisitions, working capital, and equipment, and from July 4, 2026 eligible borrowers can combine 7(a) and 504 for up to $10 million in total program credit.
Lake Powell, Lake Havasu, and the Salt River chain anchor a desert boating economy where covered and indoor boat storage carries premium economics against the climate.
For a national view of this asset class, see our marina and boat storage SBA feasibility overview, and read our related analysis in the marina and boat storage lending research on our blog.
Compare neighboring markets: California, Texas.
Public SBA and CDC program records, cited as program evidence
SBA 504 acquisition through PeopleFund
Lakefront resort and marina, national program evidence
Sunrise Beach, Llano County, Texas
Fifteen-minute scoping call, written proposal inside one business day, firm fixed fee before you sign.
Book a MeetingOur SBA feasibility study consultants prepare storage and vehicle storage studies for lenders, CDCs and sponsors. See pricing, methodology or request a fixed fee quote.
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