Coffee Shop Feasibility Study in the Miami-Fort Lauderdale-West Palm Beach, FL Metro Area
What SBA's own loan files show about coffee shop and snack bar lending in the Miami-Fort Lauderdale-West Palm Beach, FL Metro Area, and what a feasibility study for a project there has to test.
Miami: coffee shop and snack bar
SBA records 136 coffee shop and snack bar loans for Miami, with $56.6 million approved from FY2017 to FY2026. Miami holds spot 12 of 612 among metro areas on 136 loans; in Miami, the class holds 9 of 39. Miami: the 0.59x quotient shows a much lighter concentration. With 136 loans behind it, $324,000 in Miami sits near its parents; ranks and the 0.59x quotient decide.
$324,000 in Miami, well above the national median (1.35x), is its median; Miami's middle half spans $50,000 to $492,750. Of 7(a) and 504, Miami withholds the split, not zero. 53.7% of the 136 loans went to franchisees.
Miami's 7(a) table, 20 loans held by TD Bank, National Association, $691,000; 14 held by Newtek Bank, National Association, $2.9 million; 10 held by The Huntington National Bank, $3.0 million; 9 held by Citizens Bank (TN), $3.8 million; 7 held by Newtek Small Business Finance, LLC, $8.6 million. Miami leaves holders under 5 loans unnamed. Miami counties, of 136 loans: Broward County, FL 62; Miami-Dade County, FL 40; Palm Beach County, FL 34.
Outcome floors in Miami and approvals
14.8% or more of Miami approvals were cancelled by FY2024. Miami's undisbursed-loan ceiling is withheld. Miami charge-off floor: withheld, not zero. Miami: the cohort is too small. Miami open loans may raise floors. Miami, moving from 14 loans and $2.4 million in FY2018, ended on 27 loans and $9.2 million in FY2026; the peak was 27 loans and $9.2 million in FY2026, the trough 11 in FY2019. Loans by year in Miami: FY2018 14, FY2019 11, FY2021 15, FY2022 12, FY2023 13, FY2024 11, FY2025 21, FY2026 27. Dollars per year: FY2018 $2.4 million, FY2019 $4.6 million, FY2021 $4.7 million, FY2022 $8.5 million, FY2023 $10.7 million, FY2024 $4.4 million, FY2025 $9.0 million, FY2026 $9.2 million. Missing Miami years are withheld, not zero.
Miami: what a feasibility study must prove
For 136 loans in Miami, espresso costs outside $50,000 to $492,750 need cases. For 136 approvals in Miami, appraisers weigh lease and traffic. Miami saw approvals run from 11 in FY2019 to 27 in FY2026; for Miami, plan for weak afternoons. Miami's quotient, 0.59x: count rivals by commuter route. Across 136 loans, morning ticket counts in Miami carries $324,000. Miami: facing weak afternoons, debt service holds with $56.6 million approved.
Miami counts 136 loans by project county. Miami borders follow the July 2023 delineation. Miami omits counties it cannot place. 136 loans are a rough guide to Miami, not a census.
SBA coffee shop and snack bar loans in the Miami-Fort Lauderdale-West Palm Beach, FL Metro Area
| Loans approved, FY2017 to FY2026 | 136 |
|---|---|
| Gross dollars approved | $56.6 million |
| Median loan | $324,000 |
| Middle half of loans, from | $50,000 |
| Middle half of loans, to | $492,750 |
| SBA 7(a) loans | withheld |
| SBA 504 loans | withheld |
| Franchise share of loans | 53.7% |
| Rank among metro and micro areas for coffee shop and snack bar loans | 12 of 612 |
| Rank of coffee shop and snack bar among the classes in this area | 9 of 39 |
| Location quotient (share of loans against the national share) | 0.59x |
| Median loan against the national median for the class | 1.35x |
Cancellation and charge-off
| Cancelled after approval, FY2017 to FY2024 approvals (a floor) | 14.8% |
|---|---|
| The same, counting loans still undisbursed as cancelled (a ceiling) | 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 Miami-Fort Lauderdale-West Palm Beach, FL Metro Area, by fiscal year
| Fiscal year | Loans | Dollars |
|---|---|---|
| FY2017 | withheld | withheld |
| FY2018 | 14 | $2.4 million |
| FY2019 | 11 | $4.6 million |
| FY2020 | withheld | withheld |
| FY2021 | 15 | $4.7 million |
| FY2022 | 12 | $8.5 million |
| FY2023 | 13 | $10.7 million |
| FY2024 | 11 | $4.4 million |
| FY2025 | 21 | $9.0 million |
| FY2026 | 27 | $9.2 million |
Most active SBA lenders
| Lender | Loans | Dollars |
|---|---|---|
| TD Bank, National Association | 20 | $691,000 |
| Newtek Bank, National Association | 14 | $2.9 million |
| The Huntington National Bank | 10 | $3.0 million |
| Citizens Bank (TN) | 9 | $3.8 million |
| Newtek Small Business Finance, LLC | 7 | $8.6 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 |
|---|---|
| Broward County, FL | 62 |
| Miami-Dade County, FL | 40 |
| Palm Beach County, FL | 34 |
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-33100-C39.
Related feasibility study pages
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