Quick Service Restaurant Feasibility Study in the Bakersfield-Delano, CA Metro Area

What SBA's own loan files show about limited-service restaurant lending in the Bakersfield-Delano, CA Metro Area, and what a feasibility study for a project there has to test.

Daniel Smith, MAI

How Bakersfield-Delano ranks for quick service restaurant

Bakersfield-Delano, CA stands 71 of 779 among metro and micro areas, recording 49 SBA approvals from FY2017 to FY2026 worth $31.8 million. Counting quick service restaurant loans, Bakersfield-Delano stands at 1.25x the national share: Bakersfield-Delano favors the class heavily. Inside Bakersfield-Delano, the class ranks 3 of 39, a headline class. Each Bakersfield-Delano project county is in CA.

The median Bakersfield-Delano loan comes to $430,000, with its middle half between $270,000 and $700,000. The local median is 1.38x the national class median, so Bakersfield-Delano loans run larger. 43 loans use SBA 7(a) and 6 use SBA 504, a first question. Bakersfield-Delano 504 requests lean on fixed assets. Franchise share of loans in Bakersfield-Delano is 44.9%, a brand signal. For Bakersfield-Delano borrowers, that is context only.

Quick service restaurant lenders in Bakersfield-Delano

On the 7(a) side in Bakersfield-Delano, SBA records these holders 7 loans worth $7.9 million at Mission Bank. The 504 table for Bakersfield-Delano is empty. Bakersfield-Delano rows are SBA records. These Bakersfield-Delano loans sit with the lenders named. Bakersfield-Delano figures show files, not conduct. No Bakersfield-Delano row says what a lender requires. Across Bakersfield-Delano counties, Kern County, CA records 49 loans.

Bakersfield-Delano's published years show FY2017: 5 loans, $2.7 million, FY2018: 6 loans, $4.2 million, FY2019: 6 loans, $6.1 million, FY2023: 5 loans, $2.2 million, FY2024: 5 loans, $3.7 million, FY2025: 10 loans, $3.7 million and FY2026: 7 loans, $3.7 million. FY2020 through FY2022 stay blank for Bakersfield-Delano on thin counts, which makes Bakersfield-Delano's gaps silence, not nil. Bakersfield-Delano's cancellation floor is not shown. Small Bakersfield-Delano cohorts hide the rate, and hidden is not nil. Bakersfield-Delano has no published charge-off floor. Bakersfield-Delano's thin cohort stays unpublished. The Bakersfield-Delano totals follow the July 2023 delineation, and each Bakersfield-Delano project is placed by county, and Bakersfield-Delano omits unmatched counties.

What a Bakersfield-Delano quick service restaurant study must prove

From this quick service restaurant record in Bakersfield-Delano, CA, a study moves to a single parcel. Bakersfield-Delano lenders need the study to show whether the lease outlasts the loan. Bakersfield-Delano reviewers will check competing concepts on the same corridor. The Bakersfield-Delano file should document coverage with higher labor cost. In Bakersfield-Delano, we start by examining drive-through lane length and daily counts. Each Bakersfield-Delano study must establish franchise approval and opening timeline. Bakersfield-Delano work runs demand, cost, coverage, value. A Bakersfield-Delano study guarantees nothing to lenders.

SBA limited-service restaurant loans in the Bakersfield-Delano, CA Metro Area

Loans approved, FY2017 to FY2026	49
Gross dollars approved	$31.8 million
Median loan	$430,000
Middle half of loans, from	$270,000
Middle half of loans, to	$700,000
SBA 7(a) loans	43
SBA 504 loans	6
Franchise share of loans	44.9%
Rank among metro and micro areas for limited-service restaurant loans	71 of 779
Rank of limited-service restaurant among the classes in this area	3 of 39
Location quotient (share of loans against the national share)	1.25x
Median loan against the national median for the class	1.38x

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 limited-service restaurant loans approved in the Bakersfield-Delano, CA Metro Area, by fiscal year

Fiscal year	Loans	Dollars
FY2017	5	$2.7 million
FY2018	6	$4.2 million
FY2019	6	$6.1 million
FY2020	withheld	withheld
FY2021	withheld	withheld
FY2022	withheld	withheld
FY2023	5	$2.2 million
FY2024	5	$3.7 million
FY2025	10	$3.7 million
FY2026	7	$3.7 million

Most active SBA lenders

SBA 7(a): lenders by loans approved (the current holder of each loan, as SBA reports it)
Lender	Loans	Dollars
Mission Bank	7	$7.9 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
Kern County, CA	49

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-12540-C35.

Related feasibility study pages

Loan Analytics prepares the feasibility study a lender reads before it commits: for a limited-service restaurant project in the Bakersfield-Delano, CA 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

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