Quick Service Restaurant Feasibility Study in the Coeur d'Alene, ID Metro Area

Quick-service restaurants around Coeur d'Alene

Coeur d'Alene, ID lists 34 loans to limited-service restaurants, FY2017 to FY2026, totalling $14.5 million, and every one of them is in Kootenai County. The class is first among 39 here. Counting loans by area puts the metro 104 of 779, while the location quotient, 1.28x, has quick-service above its national share. The ratios describe lending, not the customers a new unit could expect. Coeur d'Alene's $330,000 median is 1.06x the national loan for the class, and its central half spans $124,125 to $577,550. The 1.28x location quotient and the 1.06x median ratio both sit above 1, so the metro holds more than its share of quick-service loans, at a slightly larger median than the class nationwide.

Brand share and the two holders

About 35.3% of the loans carry a brand affiliation. Glacier Bank is the largest current 7(a) holder in SBA's reporting, with 13 loans worth $5.9 million, and Idaho Central CU holds 10 loans worth $3.1 million. Those entries record holdings and tell a reader nothing about either institution's way of lending. How the loans divide between SBA 7(a) and 504 is not printed, since one program is too thin. Kootenai County is the only county named for the metro.

Years that print

FY2017 had 8 loans for $2.2 million. FY2023 had 0 loans for $0, a full fiscal year with no loan in this class. Remaining years are blank for lack of volume and should not be read as zero. With Kootenai County's FY2017 to FY2021 restaurant loans below Loan Analytics' threshold of 30, neither outcome rate is printed.

What a Coeur d'Alene study should test

Because quick-service restaurants rank first of 39 classes in the metro, a new entrant cannot assume an open field; the study should map existing units and traffic around the proposed site and then test transactions per day, drive-through throughput and the check average. A loan near the $577,550 upper edge of the central half implies buildings or substantial site work, so the study should say whether the land is owned or leased and how long the lease runs against the loan. Since 35.3% of loans are branded, fees and required remodels should sit inside the debt service test. Nothing here suggests approval, and loans are assigned to the metro through their project county.