Coffee Shop Feasibility Study in the St. Louis, MO-IL Metro Area
What SBA's own loan files show about coffee shop and snack bar lending in the St. Louis, MO-IL Metro Area, and what a feasibility study for a project there has to test.
St. Louis coffee across a river
Two states share this metro, Missouri and Illinois, and coffee shops and snack bars stand sixth, 6 of 39, among the local classes. Nationally the area is 32 of 612, with a location quotient of 1.13x. SBA approved 65 loans and $30.6 million between FY2017 and FY2026, and a $317,000 median sits at 1.32x of the national one, with central loans from $171,000 to $487,200.
Program use runs 60 on SBA 7(a) against 5 on SBA 504, and 61.5% of loans carry franchise flags, so brand systems shape most of this lending. Coffee shops and snack bars are one class, and the figures cannot isolate a roaster with retail from a walk-up kiosk.
Holders and counties
Bank of Belleville is listed with 8 loans and $1.8 million, and 5 loans worth $1.7 million to First Mid Bank & Trust, National Association, entries taken from SBA's holder field with no judgment attached. Together they do not dominate the table. County counts show the metro's two sides: St. Louis County, MO has 16 loans, Madison County, IL 13, St. Charles County, MO 12, St. Clair County, IL 10 and St. Louis city, MO 5. Illinois counties carry a large share, which is unusual for a record organized around a Missouri city.
Both loss-side rates, cancellation and charge-off, are unpublished for this cohort, and neither blank equals zero. Because the loans are few, a reader should not infer anything about loss experience from the gap. Years that print: FY2019 5 loans and $1.7 million, FY2021 8 and $3.9 million, FY2022 12 and $4.2 million, FY2023 7 and $3.8 million, FY2025 13 and $8.2 million, FY2026 11 and $6.2 million. The file shows an empty FY2017; other years are withheld. Metro membership turns on the July 2023 delineation and the loan's project county.
St. Louis coffee: the questions
East and west banks of the river need separate treatment, with commuter and campus demand tested near the site and the build-out costed against the $317,000 median. Sales and margin must carry debt service coverage after royalties wherever a brand is involved. Going business and lease are appraised together. Loan Analytics issues the finished report over the signature of Daniel Smith, MAI; whether a lender approves remains the lender's decision.
SBA coffee shop and snack bar loans in the St. Louis, MO-IL Metro Area
| Loans approved, FY2017 to FY2026 | 65 |
|---|---|
| Gross dollars approved | $30.6 million |
| Median loan | $317,000 |
| Middle half of loans, from | $171,000 |
| Middle half of loans, to | $487,200 |
| SBA 7(a) loans | 60 |
| SBA 504 loans | 5 |
| Franchise share of loans | 61.5% |
| Rank among metro and micro areas for coffee shop and snack bar loans | 32 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) | 1.13x |
| Median loan against the national median for the class | 1.32x |
Cancellation and charge-off
| Cancelled after approval, FY2017 to FY2024 approvals (a floor) | withheld |
|---|---|
| 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 St. Louis, MO-IL Metro Area, by fiscal year
| Fiscal year | Loans | Dollars |
|---|---|---|
| FY2017 | 0 | $0 |
| FY2018 | withheld | withheld |
| FY2019 | 5 | $1.7 million |
| FY2020 | withheld | withheld |
| FY2021 | 8 | $3.9 million |
| FY2022 | 12 | $4.2 million |
| FY2023 | 7 | $3.8 million |
| FY2024 | withheld | withheld |
| FY2025 | 13 | $8.2 million |
| FY2026 | 11 | $6.2 million |
Most active SBA lenders
| Lender | Loans | Dollars |
|---|---|---|
| Bank of Belleville | 8 | $1.8 million |
| First Mid Bank & Trust, National Association | 5 | $1.7 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 |
|---|---|
| St. Louis County, MO | 16 |
| Madison County, IL | 13 |
| St. Charles County, MO | 12 |
| St. Clair County, IL | 10 |
| St. Louis city, MO | 5 |
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-41180-C39.
Related feasibility study pages
- Coffee shop and snack bar feasibility study and SBA loan data
- Feasibility Study Data for the St. Louis, MO-IL Metro Area
- Coffee Shop Feasibility Study in Illinois
- Coffee Shop Feasibility Study in Missouri
- Illinois feasibility study consultant
- Missouri feasibility studies for SBA and USDA loans
- Feasibility Study Data by Metro Area
- Feasibility studies for SBA 7(a) and 504 loans
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