Coffee shop loans in Urban Honolulu at a glance

Urban Honolulu reports FY2017 to FY2026 approvals: 32 coffee shop loans, $6.7 million gross. Urban Honolulu, on coffee shop loans, holds place 47 of 612 among areas. Inside Urban Honolulu, coffee shop places 3 of 39. Urban Honolulu's quotient is 2.08x: coffee shop above the national share.

Urban Honolulu loan sizes and mix

Urban Honolulu shows half its loans at or under $50,000, with the middle half spanning $25,000 up to $150,000. Urban Honolulu loans sit at 0.21x of the national class median. In Urban Honolulu, borrowers draw smaller loans than nationally. Urban Honolulu has 32 SBA 7(a) loans. Urban Honolulu has 0 SBA 504 loans. Urban Honolulu 504 loans fund property and equipment. In Urban Honolulu, 7(a) adds working capital or acquisitions. Urban Honolulu prints no franchise share. Too few Urban Honolulu loans support one. Urban Honolulu loans run smaller, so Urban Honolulu overruns weigh more.

Urban Honolulu loan holders and counties

Holder in Urban Honolulu: Central Pacific Bank, 22 loans, $1.7 million, SBA 7(a). Urban Honolulu names here hold or held loans. In Urban Honolulu, SBA rows say nothing of requirements. Urban Honolulu borrowers see holders, not lenders. Urban Honolulu puts all 32 loans under Honolulu County, HI.

Urban Honolulu floors, limits and yearly record

Urban Honolulu years print only in part. FY2017 brings Urban Honolulu 5 loans, $375,000. FY2021 brings Urban Honolulu 0 loans, $0. FY2023 brings Urban Honolulu 5 loans, $3.5 million. FY2024 brings Urban Honolulu 8 loans, $1.2 million. FY2026 brings Urban Honolulu 0 loans, $0. Other Urban Honolulu years stay blank on thin counts. Urban Honolulu blanks are silence, never zero, and Urban Honolulu treats FY2026 as complete. Urban Honolulu floors follow Loan Analytics' own rule. That Urban Honolulu cohort holds fewer than 30 loans. The Urban Honolulu cohort covers FY2017 to FY2021 disbursements. So Urban Honolulu prints no cancellation floor. So Urban Honolulu prints no charge-off floor. Urban Honolulu blanks are no zero. Urban Honolulu blanks are no clean book. Each Urban Honolulu rate is a floor. Urban Honolulu borders come from the July 2023 list. Urban Honolulu places each loan by project county. Urban Honolulu drops loans with unplaceable counties.

Urban Honolulu: what a study must prove

Urban Honolulu coffee shop projects open with the $50,000 median, a size check for Urban Honolulu. We would test the Urban Honolulu drive-through, seating and equipment plan, then price the espresso line and build-out from quotes. Labor at a Urban Honolulu shop is scheduled in short shifts, and the study tests whether wages at peak hours still leave coverage. The appraisal in Urban Honolulu for a leasehold business rests mostly on equipment and cash flow, which a study documents line by line. Daniel Smith, MAI, signs every Urban Honolulu coffee shop study. For Urban Honolulu, demand and cost are tested. In Urban Honolulu, coverage and value are tested. No Urban Honolulu approval is promised by any study.

SBA coffee shop and snack bar loans in the Urban Honolulu, HI Metro Area

Loans approved, FY2017 to FY2026	32
Gross dollars approved	$6.7 million
Median loan	$50,000
Middle half of loans, from	$25,000
Middle half of loans, to	$150,000
SBA 7(a) loans	32
SBA 504 loans	0
Franchise share of loans	withheld
Rank among metro and micro areas for coffee shop and snack bar loans	47 of 612
Rank of coffee shop and snack bar among the classes in this area	3 of 39
Location quotient (share of loans against the national share)	2.08x
Median loan against the national median for the class	0.21x

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 Urban Honolulu, HI Metro Area, by fiscal year

Fiscal year	Loans	Dollars
FY2017	5	$375,000
FY2018	withheld	withheld
FY2019	withheld	withheld
FY2020	withheld	withheld
FY2021	0	$0
FY2022	withheld	withheld
FY2023	5	$3.5 million
FY2024	8	$1.2 million
FY2025	withheld	withheld
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
Central Pacific Bank	22	$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
Honolulu County, HI	32

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-46520-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 Urban Honolulu, HI 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 Urban Honolulu, HI Metro Area