Coffee Shop Feasibility Study in the Portland-Vancouver-Hillsboro, OR-WA Metro Area

Portland coffee: very small loans

Coffee shops and snack bars in the Portland area record 81 loans for FY2017 to FY2026, worth just $15.3 million, with a median loan of $125,000, about half the national class midpoint at 0.52x. The quartiles are $50,000 and $272,000. The area ranks 26 of 612 for the class and the class is fifth of 39 locally, at a location quotient of 1.04x, essentially the national share. Franchised shops are 34.6% of loans, and every loan is a 7(a) loan: none is a 504 loan.

Banks that hold the loans

Columbia Bank (OR) is listed with 17 loans worth $4.3 million, U.S. Bank, National Association with 14 worth $859,300, KeyBank National Association with 10 worth $1.4 million, and finally 5 loans worth $230,000 under JPMorgan Chase Bank, National Association. The average on the last two is very small, which says that many of these loans are tiny. These are SBA's holder records only, with no reading of anyone's practice.

Two states in one area

Multnomah County, OR has 25 loans, Clark County, WA 23 and Washington County, OR 21, so the area straddles the Columbia River and two states with different taxes, licensing and labour rules. Where yearly figures are printed, FY2017 reports 13 loans and $3.2 million and FY2025 shows 11 loans and $3.4 million, while FY2024 and FY2026 show 6 loans each. FY2021 and FY2022 are blank for too few loans, and blank is not zero.

Outcomes that are not published

Portland's outcome side is blank: SBA prints no cancelled share and no charged-off share, because the cohorts are too small, and neither is zero, so this page cannot say how Portland coffee shop loans have fared after approval. A study for a shop here should test the site's foot traffic and the competition from independents and chains, rent against sales, the cost of equipment and a small fit-out at a loan near the median, whether a franchise is involved and what it disclosed, and debt service coverage at thin margins. A loan belongs to the area when the 2023 metro map includes the name of its project county.