Coffee shop in Ogden: the loan record

Ogden gets 34 loans approved for coffee shop, $10.5 million gross, from FY2017 to FY2026. Ogden, for coffee shop, ranks 44 of 612 in the area ranking. Within Ogden, coffee shop ranks 6 of 39. Ogden's quotient is 1.47x: coffee shop above the national share.

Ogden size and franchise status

Ogden shows half its loans at or under $246,000, with the middle half spanning $50,250 up to $431,250. Ogden stands at 1.02x against the national class median. Ogden loans run above the national middle. Ogden shows no 7(a) count. Ogden shows no 504 count either. Ogden: too few loans back either count. Ogden franchise share of loans is 58.8%. Ogden loans run larger. Ogden borrowers carry a heavier payment, which Ogden studies test.

Ogden holders and counties

Ogden SBA 7(a) holder: 7 loans, $2.5 million, Zions Bancorporation, National Association. Listed Ogden names are current holders, per SBA. Ogden rows speak to files, not requirements. Ogden borrowers see holders, not lenders. In Ogden, by county, the loans are 22 in Davis County, UT and 12 in Weber County, UT.

Ogden years, floors and coding limits

Ogden prints only these fiscal years. In FY2023, Ogden had 6 loans worth $2.5 million. Other Ogden years stay blank on thin counts. Ogden blanks are silence, never zero, and Ogden treats FY2026 as complete. Floors in Ogden follow Loan Analytics' own rule. The Ogden cohort holds fewer than 30 loans. Ogden disbursements cover FY2017 to FY2021. No Ogden cancellation floor prints. No Ogden charge-off floor prints either. Ogden's blank floor is no zero. Ogden borrowers learn little from it. Any Ogden rate that prints is a floor. Ogden follows July 2023 boundaries. Ogden places loans by project county. Ogden drops loans lacking a placeable county.

Ogden: testing a coffee shop project

Ogden coffee shop projects open with the $246,000 median, a size check for Ogden. A coffee shop study in Ogden starts with transactions: how many tickets a day the site can draw, at what average, across which hours. In Ogden, small tickets mean volume must be high, so the study tests debt service against a slow season as well as a good one. An Ogden lender will ask about the lease, since a modest-margin shop cannot carry rent set for a higher-margin tenant. Daniel Smith, MAI, signs each Ogden study. Ogden demand and cost come first. In Ogden, coverage follows, then the appraisal. No Ogden approval is promised by any study.

SBA coffee shop and snack bar loans in the Ogden, UT Metro Area

Loans approved, FY2017 to FY2026	34
Gross dollars approved	$10.5 million
Median loan	$246,000
Middle half of loans, from	$50,250
Middle half of loans, to	$431,250
SBA 7(a) loans	withheld
SBA 504 loans	withheld
Franchise share of loans	58.8%
Rank among metro and micro areas for coffee shop and snack bar loans	44 of 612
Rank of coffee shop and snack bar among the classes in this area	6 of 39
Location quotient (share of loans against the national share)	1.47x
Median loan against the national median for the class	1.02x

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 Ogden, UT Metro Area, by fiscal year

Fiscal year	Loans	Dollars
FY2017	withheld	withheld
FY2018	withheld	withheld
FY2019	withheld	withheld
FY2020	withheld	withheld
FY2021	withheld	withheld
FY2022	withheld	withheld
FY2023	6	$2.5 million
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
Zions Bancorporation, National Association	7	$2.5 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
Davis County, UT	22
Weber County, UT	12

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-36260-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 Ogden, UT 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 Ogden, UT Metro Area