Coffee Shop Feasibility Study in the Houston-Pasadena-The Woodlands, TX Metro Area

257 coffee shop and snack bar loans in Houston-Pasadena-The Woodlands

In Houston the charge-off floor is the figure that departs from the state and national class pictures, so it comes first here: 19.0% of 100 disbursed loans. Houston, TX carries 257 approved coffee shop and snack bar loans across FY2017 to FY2026, for $99.0 million in gross dollars. The median loan stands at $348,000, with the middle half spanning $180,000 up to $483,000. Relative to the national median for coffee shop and snack bar, Houston stands at 1.45x, and that is above it.

Where Houston-Pasadena-The Woodlands stands, 7 of 39 in class

The program split is 251 under 7(a) and 6 under 504. In Houston, 61.1% of the 257 loans carry a franchise brand. Place in the national table: 4 of 612. Place among Houston-Pasadena-The Woodlands classes: 7 of 39. At 1.54x on the location quotient, coffee shop and snack bar is denser in Houston than nationwide. The leading counties stand out: Harris County, TX (149), Fort Bend County, TX (49) and Montgomery County, TX (30) loans.

Houston lenders, years and the $99.0 million record

The busiest shown year was FY2025, 39 loans and $17.8 million; the quietest was FY2022, 16 loans and $8.1 million. Houston 7(a) holders, ranked by loans: 29 loans and $8.8 million at The Huntington National Bank; 18 loans and $5.4 million at Wallis Bank; 14 loans and $4.3 million at Zions Bancorporation, National Association. The Huntington National Bank shows 29 loans just because SBA names it holder; the $8.8 million says nothing about lending standards. The Houston cancellation floor is 9.4%, and the ceiling is blank under Loan Analytics' own rule, which is not zero. The charge-off floor, 19.0% of 100 disbursed loans, includes 13.0% written off inside five years of approval.

The Houston study: demand, cost, coverage, appraisal at $483,000

A coffee study here starts with morning and afternoon traffic, foot traffic and ticket size, none of which the 257-loan file measures. The budget should name opening inventory, seating and fixtures and a compact buildout, and test each line against local comparables. Debt service coverage is tested at $348,000, $180,000 and $483,000 in turn, the points that frame this file. The appraiser checks the collateral too, namely the lease, espresso equipment and location goodwill. The $99.0 million file is a benchmark for the study, not a forecast, and it promises no applicant an approval.

Method for Houston's 257 loans

Each of the 257 loans reaches this metro through its project county, matched by name against the July 2023 delineation; Harris County, TX is one of several counties matched that way. Each loss floor rests on its own cohort, which is stated beside the rate.