Coffee Shop Feasibility Study in the Oklahoma City, OK Metro Area

Coffee and snack bars in Oklahoma County's metro

The Oklahoma City, OK Metro Area shows 33 coffee shop and snack bar loans backed by SBA between FY2017 and FY2026, with $10.3 million in gross dollars. Inside the metro the class takes sixth place of 39. Ranked against every other metro and micro area for these loans, the area is 46 of 612. Its location quotient is 1.11x and its median loan, $250,000, is 1.04x the national median, so the cell sits close to what the class looks like nationally. The middle half runs from $113,000 to $450,000. The 1.11x location quotient and the 1.04x median ratio both sit close to the national level, so neither share nor loan size departs far from the nationwide class.

Franchising and geography

Franchise affiliation is 42.4% of loans, so brand fees and supply terms are part of nearly half of these projects' economics. Oklahoma County has 22 loans and Canadian County 6. No holder reaches five loans in either program, which is why no lender appears, and the SBA program split is left off.

A single printed year

Out of 33 loans only FY2023 clears the display line, with 6 loans and $2.3 million, so no multi-year line is drawn and the blank years are not zeros. One printed year cannot show a direction. Loan Analytics needs 30 loans for a cohort rate, and Oklahoma City's FY2017 to FY2021 group has fewer, which is why cancellation and charge-off stay unprinted for the cell, and why a borrower should not read their absence as good news.

Testing a coffee concept in Oklahoma City

A coffee concept lives on daily transactions, so the study should estimate tickets in each hour, the average check, and what portion of sales come from drive-through or morning commuters versus seated visits, using counts taken at the actual site. The middle half of $113,000 to $450,000 indicates that most borrowers fund equipment and build-out, which makes lease terms, and the years left on them, matter for collateral. Coverage of debt service should be shown through a slow first season with labor at a realistic level. If the proposal is franchised, as 42.4% of these loans are, the franchise agreement's fees go in the model. Placement in Oklahoma City follows the project county under the July 2023 delineation.