Coffee Shop Feasibility Study in the Tulsa, OK Metro Area

Coffee shops in Tulsa

Two ranks place Tulsa: 8 of 39 for coffee shop and snack bar within Tulsa's own classes, and 49 of 612 for the area itself. SBA approved 29 loans worth $11.0 million from FY2017 to FY2026. By location quotient (1.33x), SBA lending in Tulsa gives coffee shop and snack bar loans a bigger slice than the national one.

The middle loan, at $247,500, stands at 1.03x the national median over coffee shops and snack bars, essentially level with the class nationally, and most usual loans sit between $90,000 and $435,900. A franchise brand attaches to 37.9% of the loans, so most are independents. SBA's data here does not show how the Tulsa loans split over 7(a) and 504 for Tulsa. Tulsa: the totals count just SBA-recorded coffee shop and snack bar loans, so a study in Tulsa should treat them as only one input for coffee shop and snack bar.

Years on the page

The page prints three years: 5 loans worth $501,000 in FY2018, FY2019 at no loans and $0 and FY2022: 6 loans and $4.4 million. Dollars per loan in FY2022 are far above those in FY2018, so a few larger loans drove that year. No lender and no county are printed for this cell. Loan Analytics withholds Tulsa's two loss-side rates since the Tulsa FY2017-to-FY2021 cohort holds under 30 loans, a count our own rule will not rate for Tulsa. A withheld rate in Tulsa should never be read as zero.

From a lender's side, the Tulsa cell is a small and uneven record: a class that sits mid-table in Tulsa, a median near the national one, and no lender detail. For anyone applying, that means the shown band is the best guide to scale, and a request far above the upper edge requires its own justification. Because no program split is printed, this Tulsa page cannot say which route most of these loans took.

What to test before lending in Tulsa

A Tulsa coffee shop should be tested on daily foot traffic at the site, on the sales that carry rent and payroll, and on buildout cost against a loan near $247,500. Include a gradual-ramp case and a franchise-fee case, a tenancy that outlasts the loan, and a separate appraisal of any owned building. Federal rules set Tulsa; and loans from counties Tulsa cannot match are left out of its totals.