Coffee shop in Toledo: the loan record

Toledo gets 26 loans approved for coffee shop, $5.3 million gross, from FY2017 to FY2026. Toledo, for coffee shop, ranks 56 of 612 in the area ranking. Within Toledo, coffee shop ranks 6 of 39. Toledo's quotient is 1.27x: coffee shop above the national share.

Toledo size and franchise status

Toledo shows half its loans at or under $67,650, with the middle half spanning $35,725 up to $262,500. Toledo loans sit at 0.28x of the national class median. In Toledo, borrowers draw smaller loans than nationally. Toledo shows no 7(a) count. Toledo shows no 504 count either. Toledo: too few loans back either count. Toledo franchise share of loans is 23.1%. Toledo loans run smaller, so Toledo overruns weigh more.

Toledo holders and counties

Toledo SBA 7(a) holder: 16 loans, $1.1 million, The Huntington National Bank. Toledo names here hold or held loans. In Toledo, SBA rows say nothing of requirements. Toledo borrowers see holders, not lenders. Toledo puts all 19 loans under Lucas County, OH.

Toledo years, floors and coding limits

Toledo prints only these fiscal years. In FY2018, Toledo had 0 loans worth $0. In FY2024, Toledo had 5 loans worth $384,000. In FY2025, Toledo had 5 loans worth $593,800. In FY2026, Toledo had 0 loans worth $0. Other Toledo years stay blank on thin counts. Toledo blanks are silence, never zero, and Toledo treats FY2026 as complete. Floors in Toledo follow Loan Analytics' own rule. The Toledo cohort holds fewer than 30 loans. Toledo disbursements cover FY2017 to FY2021. No Toledo cancellation floor prints. No Toledo charge-off floor prints either. Toledo blanks are no zero. Toledo blanks are no clean book. Each Toledo rate is a floor. Toledo follows July 2023 boundaries. Toledo places loans by project county. Toledo drops loans lacking a placeable county.

Toledo: testing a coffee shop project

Toledo coffee shop projects open with the $67,650 median, a size check for Toledo. Wage rates and scheduling in Toledo should be tested in a thin week, because a coffee shop cannot easily cut hours without losing sales. For Toledo, we would test the seating plan against the sales plan, because tables that sit empty carry rent without earning it. A Toledo study should check whether the site can support a drive-through lane, which changes both construction and daily volume. Daniel Smith, MAI, signs every Toledo coffee shop study. For Toledo, demand and cost are tested. In Toledo, coverage and value are tested. No Toledo approval is promised by any study.

SBA coffee shop and snack bar loans in the Toledo, OH Metro Area

Loans approved, FY2017 to FY2026	26
Gross dollars approved	$5.3 million
Median loan	$67,650
Middle half of loans, from	$35,725
Middle half of loans, to	$262,500
SBA 7(a) loans	withheld
SBA 504 loans	withheld
Franchise share of loans	23.1%
Rank among metro and micro areas for coffee shop and snack bar loans	56 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)	1.27x
Median loan against the national median for the class	0.28x

Cancellation and charge-off

Cancelled after approval, FY2017 to FY2024 approvals (a floor)	not reported: fewer than 30 loans in the cohort
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 Toledo, OH Metro Area, by fiscal year

Fiscal year	Loans	Dollars
FY2017	withheld	withheld
FY2018	0	$0
FY2019	withheld	withheld
FY2020	withheld	withheld
FY2021	withheld	withheld
FY2022	withheld	withheld
FY2023	withheld	withheld
FY2024	5	$384,000
FY2025	5	$593,800
FY2026	0	$0

Most active SBA lenders

SBA 7(a): lenders by loans approved (the current holder of each loan, as SBA reports it)
Lender	Loans	Dollars
The Huntington National Bank	16	$1.1 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
Lucas County, OH	19

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-45780-C39.

Related feasibility study pages

Loan Analytics prepares the feasibility study a lender reads before it commits: for a coffee shop and snack bar project in the Toledo, OH Metro Area, financed under SBA 7(a), SBA 504, USDA Business and Industry or a conventional bank loan. Tell us the project and the lender's deadline, and we reply with scope, timeline and fee.

Daniel Smith, MAI

Coffee Shop Feasibility Study in the Toledo, OH Metro Area