Coffee Shop Feasibility Study in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD Metro Area

The $191,200 median in Philadelphia, PA

SBA's loan files show 154 approved coffee shop and snack bar loans in Philadelphia between FY2017 and FY2026, $44.4 million gross. The center sits near $191,200, and the middle half sit between $50,000 and $414,500. Against the class nationally, Philadelphia's median is 0.80x of the national median, below it.

Where Philadelphia stands, 8 of 39 in class

Because one program holds so few Philadelphia, PA loans, the 7(a) and 504 counts are withheld together, though the 154 total stands. The franchise share, 44.2%, shows how much of the Philadelphia class is branded. Of all areas, Philadelphia is 8 of 612 on coffee shop and snack bar loans; of all classes in Philadelphia, PA, coffee shop and snack bar is 8 of 39. A location quotient of 0.97x leaves coffee shop and snack bar lighter in Philadelphia-Camden-Wilmington than nationally. The busiest counties: Philadelphia County, PA at 38 loans, Montgomery County, PA at 24, New Castle County, DE at 15. Philadelphia is not a one-state market: DE, MD, NJ, PA all fall inside it.

Who holds the 154 Philadelphia, PA loans

By year, FY2025 leads with 27 loans and $9.6 million, while FY2017 trails with 6 and $907,600. In Philadelphia, 7(a) loans sit mostly with TD Bank, National Association, 40 loans, $2.6 million; Wilmington Savings Fund Society FSB, 20 loans, $9.4 million; Manufacturers and Traders Trust Company, 15 loans, $2.5 million. The 7(a) ranking splits: TD Bank, National Association on loan count, Wilmington Savings Fund Society FSB on dollars approved. TD Bank, National Association shows 40 loans because SBA names it the holder of those loans; the $2.6 million says nothing about lending standards. The Philadelphia cancellation floor is 10.3%, while its ceiling is withheld, not zero. Philadelphia shows 154 loans yet no charge-off rate for coffee shop and snack bar, because the disbursed loans behind it are too few, and silence is not zero.

Testing a Philadelphia coffee shop and snack bar

A Philadelphia study starts with nearby cafes, ticket size and the split between dine-in and takeaway; the 154-loan record cannot stand in for them. A sound Philadelphia budget lists seating and fixtures, a lease in a busy spot and opening inventory, then tests each line against Philadelphia comparables. Debt service coverage asks whether stabilized Philadelphia earnings carry a loan like those above, $50,000 to $414,500 for the middle half, and survive a slow first year. The appraiser tests Philadelphia collateral too, namely location goodwill, the lease and espresso equipment; a Philadelphia, PA study anticipates each. 154 Philadelphia loans inform the study, yet approval of any project turns on the project itself and on its lender, whatever the $191,200 median.

How to read Philadelphia-Camden-Wilmington's $44.4 million

Philadelphia-Camden-Wilmington gets its 154 loans through each project's county. Matching Philadelphia County, PA and its neighbors to Philadelphia, PA uses names under the July 2023 delineation. Philadelphia, PA cancellation covers FY2017 to FY2024 approvals around Philadelphia, PA; charge-offs cover FY2017 to FY2021 disbursements.