Quick Service Restaurant Feasibility Study in the Barnstable Town, MA Metro Area
What SBA's own loan files show about limited-service restaurant lending in the Barnstable Town, MA Metro Area, and what a feasibility study for a project there has to test.
Barnstable Town quick: Cape Cod quick service: second among classes, high cancellations
Rank first: 85 of 779 for Barnstable Town on limited-service restaurant loans; rank second: 2 of 39 for limited-service restaurant within Barnstable Town. The location quotient, 1.06x, leaves the class near its national weight, though it ranks second in the local list. All 40 loans, for $10.5 million across FY2017 to FY2026, sit in Barnstable County. Ordinary quick service restaurant loans in Barnstable Town run $63,750 to $374,500, centered on $150,000, which is 0.48x of the national quick service restaurant median. One metric sets the cell apart: a cancellation floor of 26.7%.
10 Barnstable Town quick service restaurant loans use SBA 504, while 30 use SBA 7(a). For 7(a) paper, the table shows The Cape Cod Five Cents Savings Bank (6 loans, $828,000), Cambridge Savings Bank (5 loans, $650,000) and Eastern Bank (6 loans, $1.5 million). Those Barnstable Town lender entries as whichever lender holds the paper, not a view of what Eastern Bank will fund. Holdings are the statement. In Barnstable Town, quick service restaurant borrowers saw the cohorts FY2017 to FY2024 lost at least 26.7% to cancellation, and reality may run higher. Treating Barnstable Town quick service restaurant loans still undisbursed cancelled yields the same 26.7%.
In Barnstable Town, quick service restaurant lending has nothing prints for in Barnstable Town any charge-off figure and the franchise share since few loans support it; none is inferred. 6 approvals for $786,600 in FY2020; and 5 approvals for $1.6 million in FY2022.
With the franchise share withheld, a study should say which brand is proposed and what its terms are, since the cell cannot show how common franchising is on the Cape.
Barnstable Town quick: what a Cape Cod quick service study tests
A study should test off-season sales against peak, labor housing and wage cost, the franchisor's terms, lease cost, and a payment the business can carry through the off season. The cancellation floor invites a look at why approved projects did not close. Area membership for Barnstable Town is decided via a project county lookup against the July 2023 delineation. Loans without matches are omitted. These figures are context for a quick service restaurant venture within Barnstable Town; nothing here pledges credit.
SBA limited-service restaurant loans in the Barnstable Town, MA Metro Area
| Loans approved, FY2017 to FY2026 | 40 |
|---|---|
| Gross dollars approved | $10.5 million |
| Median loan | $150,000 |
| Middle half of loans, from | $63,750 |
| Middle half of loans, to | $374,500 |
| SBA 7(a) loans | 30 |
| SBA 504 loans | 10 |
| Franchise share of loans | withheld |
| Rank among metro and micro areas for limited-service restaurant loans | 85 of 779 |
| Rank of limited-service restaurant among the classes in this area | 2 of 39 |
| Location quotient (share of loans against the national share) | 1.06x |
| Median loan against the national median for the class | 0.48x |
Cancellation and charge-off
| Cancelled after approval, FY2017 to FY2024 approvals (a floor) | 26.7% |
|---|---|
| The same, counting loans still undisbursed as cancelled (a ceiling) | 26.7% |
| 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 Barnstable Town, MA Metro Area, by fiscal year
| Fiscal year | Loans | Dollars |
|---|---|---|
| FY2017 | withheld | withheld |
| FY2018 | withheld | withheld |
| FY2019 | withheld | withheld |
| FY2020 | 6 | $786,600 |
| FY2021 | withheld | withheld |
| FY2022 | 5 | $1.6 million |
| FY2023 | withheld | withheld |
| FY2024 | withheld | withheld |
| FY2025 | withheld | withheld |
| FY2026 | withheld | withheld |
Most active SBA lenders
| Lender | Loans | Dollars |
|---|---|---|
| Eastern Bank | 6 | $1.5 million |
| The Cape Cod Five Cents Savings Bank | 6 | $828,000 |
| Cambridge Savings Bank | 5 | $650,000 |
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 |
|---|---|
| Barnstable County, MA | 40 |
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-12700-C35.
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