Coffee Shop Feasibility Study in the Orlando-Kissimmee-Sanford, FL Metro Area

Orlando coffee: franchise-heavy, with a high cancellation floor

Franchised units are 66.2% of the 77 coffee shop and snack bar loans around Orlando-Kissimmee-Sanford, so most projects sit inside a brand system. The cell holds $31.8 million over FY2017 to FY2026. Orlando lands 27 of 612 nationally for coffee, coffee takes 8 of 39 within Orlando, and 1.05x on the location quotient leaves the weight near the national mix. Of FY2017 to FY2024 Orlando approvals, 18.2% or more were cancelled. The ceiling and the charge-off rate are left unprinted under Loan Analytics' small-count rule.

The median is $352,400, 1.47x the national class median, and $144,000 and $600,000 are the quartile edges. The ticket is large and the franchise share is high. Loan Analytics withholds the program split, so no counts appear for SBA 7(a) or SBA 504. Lenders reading a request here should expect to see the franchise agreement.

Orlando credit providers and counties

The Huntington National Bank holds 8 SBA 7(a) loans and $1.5 million, Newtek Bank, National Association holds 7 loans and $2.6 million, and First Bank of the Lake holds 5 and $1.6 million. No SBA 504 lender here is large enough for naming. Holder entries like these record who holds each loan today, as SBA lists it. Orange County, FL has 50 loans and Seminole County, FL 16.

Three years, FY2017, FY2018 and FY2020, are withheld by Loan Analytics for thin counts. The years shown are FY2019 with 7 loans and $1.5 million, FY2021 with 5 and $2.0 million, FY2023 with 15 and $5.0 million, FY2024 with 11 and $4.8 million, FY2025 with 15 and $7.1 million, and FY2026 with 18 loans and $10.4 million, the highest count shown. FY2022 is also in the file, with no loans to report. The 2023 delineation, applied to project counties, decides which loans count.

What an Orlando coffee study has to settle

A study should measure commuter flow and daytime traffic around the site in Orange or Seminole County, cost equipment, build-out and franchise fees against $352,400, and show that tickets, drink mix and labor repay the loan. Because nearly one in five approvals fell away, confirm lease and equity early. The study should state which customers carry the break-even and show the sales needed to repay the loan. The 77 approvals are background for that work and never promise a yes.