Coffee Shop Feasibility Study in the Cleveland, OH Metro Area

Where Cleveland stands for this class

Volume in Cleveland reaches 101 approvals for cafes and snack bars, carrying $23.2 million gross, at the source, in the FY2017 to FY2026 file. On the location quotient, 1.00x, coffee shops take about the same share of loans around Cleveland compared with the nation. The central half of loans stretches from $34,000 to $264,000. Cleveland ranks 18 of 612 nationally for this class, and inside the area coffee shops rank 7 of 39 among the lending classes. The median loan is $100,000, which is 0.42x the class median nationwide.

Coffee shop loans by program in Cleveland

The split by program for coffee shops in Cleveland is not printed, because a count under one program rests on too few loans to show. No 504 lender appears for coffee shops and snack bars in Cleveland on this page. The franchise share of Cleveland loans is 55.4%. On the 7(a) side, 69 loans sit with The Huntington National Bank, 9 with KeyBank National Association. SBA names these banks as the current holders, so the page shows where the loans sit now and nothing about how either bank lends.

Cleveland by county and fiscal year

Cuyahoga County, OH holds the most loans at 63; Lake County, OH follows with 12, and Medina County, OH has 11. Volume was highest in FY2025, with 21 loans worth $4.6 million, and lowest in FY2026, with 6 approvals worth $4.2 million. Counts and dollars for FY2017 and FY2019 are not printed: Loan Analytics does not print a year resting on too few loans, which is different from saying no approvals were made.

Floors and limits behind the Cleveland figures

The Cleveland figures are built by county: the county SBA lists for each project, placed by name in the July 2023 delineation, determines which loans enter for cafes and snack bars. No cancellation rate is printed for coffee shops and snack bars in Cleveland, as too few approved loans sit behind it; that is a withheld value. Loan Analytics withholds the loss rate for Cleveland because the funded cohort of cafes and snack bars from those years is under 30 loans, and the gap does not mean zero losses.

Testing a coffee shops project in Cleveland

Demand is where a study begins if coffee shops are proposed for Cleveland: chains and local roasters, plus morning traffic on the route. A record of 101 loans helps as context, rather than proof for one location. In the appraisal, a Cleveland lending institution will ask about brand value in a sale and equipment against buildout cost. Cost comes next, including supplier and bean contracts and rent against small-footprint sales, set against the Cleveland median loan of $100,000. The coverage test should assume a late first period, since no cancellation or loss rate is printed for Cleveland to say how often such loans fail.