Coffee shop in Louisville/Jefferson County: the loan record

Louisville/Jefferson County gets 26 loans approved for coffee shop, $6.6 million gross, from FY2017 to FY2026. On coffee shop, Louisville/Jefferson County stands 56 of 612 among ranked areas. Within Louisville/Jefferson County, coffee shop is 7 of 39. Louisville/Jefferson County's quotient is 1.00x: coffee shop level with the national share. Louisville/Jefferson County spans IN and KY, so both feed the counts.

Louisville/Jefferson County: loan size and franchise

Loan size in Louisville/Jefferson County centres on $160,350, and its middle half runs between $60,600 and $452,550. Louisville/Jefferson County loans sit at 0.67x of the national class median. In Louisville/Jefferson County, borrowers draw smaller loans than nationally. Louisville/Jefferson County has 26 loans under 7(a). Louisville/Jefferson County has 0 under 504. Louisville/Jefferson County finances fixed assets through 504. In Louisville/Jefferson County, 7(a) is the broader program. Louisville/Jefferson County's split shows its financing mix. Louisville/Jefferson County loans show a 53.8% franchise share. Louisville/Jefferson County shows a smaller median. Louisville/Jefferson County projects were modest in scale. In Louisville/Jefferson County, budget comparisons should note it.

Louisville/Jefferson County holders and counties

Holder in Louisville/Jefferson County: Stock Yards Bank & Trust Company, 7 loans, $1.3 million, SBA 7(a). Louisville/Jefferson County names here hold or held loans. In Louisville/Jefferson County, SBA rows say nothing of requirements. Louisville/Jefferson County borrowers read the list as holders. Louisville/Jefferson County coffee shop lenders get first tests. Louisville/Jefferson County puts all 18 loans under Jefferson County, KY.

Louisville/Jefferson County years and coffee shop coding limits

Louisville/Jefferson County prints only these fiscal years. In FY2017, Louisville/Jefferson County had 0 loans worth $0. In FY2019, Louisville/Jefferson County had 0 loans worth $0. In FY2021, Louisville/Jefferson County had 0 loans worth $0. Other Louisville/Jefferson County years are withheld. Thin counts leave Louisville/Jefferson County totals unknown. In Louisville/Jefferson County, no blank is a zero, and Louisville/Jefferson County treats FY2026 as complete. Louisville/Jefferson County floors follow Loan Analytics' own rule. That Louisville/Jefferson County cohort holds fewer than 30 loans. The Louisville/Jefferson County cohort covers FY2017 to FY2021 disbursements. So Louisville/Jefferson County prints no cancellation floor. So Louisville/Jefferson County prints no charge-off floor. Louisville/Jefferson County blanks are no zero. Louisville/Jefferson County blanks are no clean book. Each Louisville/Jefferson County rate is a floor. Louisville/Jefferson County borders come from the July 2023 list. Louisville/Jefferson County places each loan by project county. Louisville/Jefferson County drops loans with unplaceable counties.

Louisville/Jefferson County: testing a coffee shop project

Louisville/Jefferson County modelling starts from the $160,350 median, against the project in Louisville/Jefferson County. A Louisville/Jefferson County study would test the daypart mix, since morning rush sales and afternoon sales carry very different margins. In Louisville/Jefferson County, we would price the grinder, espresso machines and refrigeration from quotes and compare them with the build-out reserve. A Louisville/Jefferson County lender will want proof of the owner's track record with a counter business, not only a menu and a location. Daniel Smith, MAI, signs every Louisville/Jefferson County coffee shop study. For Louisville/Jefferson County, demand and cost are tested. In Louisville/Jefferson County, coverage and value are tested. Louisville/Jefferson County borrowers are promised no approval here.

SBA coffee shop and snack bar loans in the Louisville/Jefferson County, KY-IN Metro Area

Loans approved, FY2017 to FY2026	26
Gross dollars approved	$6.6 million
Median loan	$160,350
Middle half of loans, from	$60,600
Middle half of loans, to	$452,550
SBA 7(a) loans	26
SBA 504 loans	0
Franchise share of loans	53.8%
Rank among metro and micro areas for coffee shop and snack bar loans	56 of 612
Rank of coffee shop and snack bar among the classes in this area	7 of 39
Location quotient (share of loans against the national share)	1.00x
Median loan against the national median for the class	0.67x

Cancellation and charge-off

Cancelled after approval, FY2017 to FY2024 approvals (a floor)	not reported: fewer than 30 loans in the cohort
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 Louisville/Jefferson County, KY-IN Metro Area, by fiscal year

Fiscal year	Loans	Dollars
FY2017	0	$0
FY2018	withheld	withheld
FY2019	0	$0
FY2020	withheld	withheld
FY2021	0	$0
FY2022	withheld	withheld
FY2023	withheld	withheld
FY2024	withheld	withheld
FY2025	withheld	withheld
FY2026	withheld	withheld

Most active SBA lenders

SBA 7(a): lenders by loans approved (the current holder of each loan, as SBA reports it)
Lender	Loans	Dollars
Stock Yards Bank & Trust Company	7	$1.3 million

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

County	Loans
Jefferson County, KY	18

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-31140-C39.

Related feasibility study pages

Loan Analytics prepares the feasibility study a lender reads before it commits: for a coffee shop and snack bar project in the Louisville/Jefferson County, KY-IN 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.

Daniel Smith, MAI

Coffee Shop Feasibility Study in the Louisville/Jefferson County, KY-IN Metro Area