Coffee Shop Feasibility Study in the Las Vegas-Henderson-North Las Vegas, NV Metro Area

What SBA's own loan files show about coffee shop and snack bar lending in the Las Vegas-Henderson-North Las Vegas, NV Metro Area, and what a feasibility study for a project there has to test.

Large coffee loans in a single county

Every coffee shop and snack bar loan in this Las Vegas record sits in Clark County, NV, 60 of 60. SBA lists those loans for FY2017 to FY2026 at $29.0 million approved. Its median of $362,500 is 1.51x the national class figure, with the Las Vegas middle half beginning at $150,000 and ending at $551,325. Loan sizes here are among the highest a coffee study will meet.

Rank, brands and weight

Las Vegas holds 36 of 612 in the metro and micro ranking by coffee volume, while coffee is 7 of 39 among local classes. A location quotient of 0.94x puts coffee a little under its national share of lending. Franchise share is 53.3%. Las Vegas gives no 7(a) or 504 counts; they are withheld.

Two named holders and an uneven calendar

America First Federal Credit Union holds 6 7(a) loans worth $5.6 million, and U.S. Bank, National Association has 5 worth $219,000, two very different dollar profiles for similar counts. The holder field is SBA's own, and it speaks to holdings, not to lending method. FY2019 had 7 loans and $1.8 million, FY2020 had 5 and $550,300, FY2021 had 7 and $6.3 million, FY2022 had 5 and $1.6 million, FY2023 had 6 and $1.9 million, FY2024 had 6 and $5.4 million. FY2017, FY2018, FY2025 and FY2026 are withheld for thin counts.

Gaps in the outcome record

Las Vegas coffee has no cancellation floor and no loss rate on this page, both being withheld. All 60 Las Vegas loans reach the metro because Clark County is found by name in the 2023 list.

What a Las Vegas coffee study has to test

Tourist traffic and resident traffic behave differently, so the study should say which the site relies on and test both, along with weekday office flow and the seasonal pattern. Rents on strip-adjacent versus neighborhood corners vary widely, and the cost of buildout and equipment needs to be set against loans well above the national norm. Coverage belongs at $362,500 and again near $551,325, with a slow first year layered on; the appraisal should keep leasehold improvements and equipment apart.

SBA coffee shop and snack bar loans in the Las Vegas-Henderson-North Las Vegas, NV Metro Area

Loans approved, FY2017 to FY202660
Gross dollars approved$29.0 million
Median loan$362,500
Middle half of loans, from$150,000
Middle half of loans, to$551,325
SBA 7(a) loanswithheld
SBA 504 loanswithheld
Franchise share of loans53.3%
Rank among metro and micro areas for coffee shop and snack bar loans36 of 612
Rank of coffee shop and snack bar among the classes in this area7 of 39
Location quotient (share of loans against the national share)0.94x
Median loan against the national median for the class1.51x

Cancellation and charge-off

Cancelled after approval, FY2017 to FY2024 approvals (a floor)withheld
Charged off to date, FY2017 to FY2021 disbursed loans (a floor)withheld

Both rates are floors. SBA withholds the status of open loans, so a loan counts as charged off only once SBA reports it; a rate needs at least 30 loans in its cohort and is otherwise not reported.

SBA coffee shop and snack bar loans approved in the Las Vegas-Henderson-North Las Vegas, NV Metro Area, by fiscal year

02468FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025FY2026Loans, FY2019: 7Loans, FY2020: 5Loans, FY2021: 7Loans, FY2022: 5Loans, FY2023: 6Loans, FY2024: 6
Fiscal yearLoansDollars
FY2017withheldwithheld
FY2018withheldwithheld
FY20197$1.8 million
FY20205$550,300
FY20217$6.3 million
FY20225$1.6 million
FY20236$1.9 million
FY20246$5.4 million
FY2025withheldwithheld
FY2026withheldwithheld

Most active SBA lenders

SBA 7(a): lenders by loans approved (the current holder of each loan, as SBA reports it)
LenderLoansDollars
America First Federal Credit Union6$5.6 million
U.S. Bank, National Association5$219,000

Lenders with 5 or more loans here; a lender with fewer is not listed, and loans SBA or a receiver holds are counted but never listed as a lender.

Where the loans are, by county

CountyLoans
Clark County, NV60

Counties with 5 or more loans; smaller ones are not listed.

Metro is the CBSA (metropolitan or micropolitan statistical area) of the loan's project county, July 2023 delineation (OMB Bulletin 23-01). The county is matched by name (manifests/ld2/county-cbsa-map.csv); a loan whose county cannot be placed in a 2023 CBSA is left out of every metro.

A value marked withheld rests on fewer than 5 loans, or is withheld so that such a figure cannot be derived from other published figures.

Source: U.S. Small Business Administration, 7(a) and 504 loan-level FOIA files (data.sba.gov), as of 2026-09-30; areas from the U.S. Census Bureau CBSA delineation, July 2023 (OMB Bulletin 23-01); Loan Analytics metro cell MA-29820-C39.

Loan Analytics prepares the feasibility study a lender reads before it commits: for a coffee shop and snack bar project in the Las Vegas-Henderson-North Las Vegas, NV Metro Area, financed under SBA 7(a), SBA 504, USDA Business and Industry or a conventional bank loan. Tell us the project and the lender's deadline, and we reply with scope, timeline and fee.

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