Coffee Shop Feasibility Study in the Jacksonville, FL Metro Area

Jacksonville coffee: a pricey, branded niche

Coffee shops and snack bars rank sixth locally in Jacksonville, 6 of 39, and the metro stands 40 of 612 nationally, with a location quotient of 1.17x. The 47 loans and $24.3 million recorded from FY2017 to FY2026 are on the larger side for the class. Take the $377,000 midpoint, set it beside the nation at 1.57x, and note that the middle of the distribution runs $287,500 up to $660,000. Franchise flags cover 66.0%, so franchised units are most of the file.

There is no 7(a) or 504 count to quote for Jacksonville coffee; Loan Analytics withholds both. First Federal Bank is listed on the 7(a) side with 6 loans and $4.4 million, a high average. Holder entries describe where SBA records the loans now; they say nothing about how any institution lends. Duval County, FL has 22 loans and St. Johns County, FL is next with 16, so a second county outside the core carries a large share of the file, and a site in either county should be compared with that county's own peers rather than with Duval's alone.

Floors and years

Among approvals from FY2017 through FY2024, 14.3% or more were cancelled. The ceiling is not shown, nor is a charge-off rate, and neither omission means zero. Three years print: FY2020 with 6 loans and $2.2 million, FY2023 with 10 and $7.1 million, and FY2024 with 6 and $3.2 million. FY2023 stands out. Every other year is held back, so the picture before 2020 and after 2024 is not available; three isolated years do not make a trend.

Counties that the delineation of July 2023 does not place inside Jacksonville contribute nothing to the figures above.

What a Jacksonville coffee study must settle

Traffic and morning commuter flows on the particular corridor come first, then the density of competing cafes and drive-throughs, and the franchisor's unit economics when a brand applies. Build-out is costed against the $377,000 midpoint, and sales and margin after royalties must cover the debt. The going business and its lease are valued together. This record offers no assurance about approval.