Quick Service Restaurant Feasibility Study in the Dayton-Kettering-Beavercreek, OH Metro Area

A franchise-led market with a median near the national middle

Dayton-Kettering-Beavercreek logged 53 quick service loans worth $20.9 million over FY2017 to FY2026, and 56.6% of them financed franchised units. The class ranks 2 of 39 locally, the metro is 65 of 779, and the location quotient is 0.85x, a little under the national weight. The median loan of $300,000 is 0.96x the national median, which makes Dayton the kind of market where size is ordinary and the story is the brand mix and the very low bottom of the range.

Amounts and holders

The middle half begins at $50,000 and ends at $572,000, a wide band with a low floor that suggests small conversions and equipment loans alongside new builds. The split by program is not published here. The only 7(a) holder named, The Huntington National Bank, has 22 loans worth $5.9 million, a small average; this is SBA's holder record and not a view of the bank. Montgomery County has 38 loans, Greene County 9 and Miami County 6.

Dayton prints a genuinely empty year: FY2019 shows 0 loans and $0. Other counts: 10 loans in FY2017 ($4.3 million), 7 in FY2021 ($3.3 million), 9 in FY2022 ($4.4 million), 5 in FY2023 ($1.0 million), 6 in FY2024 ($3.1 million), 5 in FY2025 ($1.4 million) and 5 in FY2026 ($2.4 million). FY2018 and FY2020 are withheld, which is different from an empty year. Cancellation reached at least 11.6% of FY2017 to FY2024 approvals; the stricter count and the charge-off rate are withheld. County placement follows the 2023 list.

Dayton: brand, bottom of the range, and the plan

A good study names the concept as franchised or independent, then gives the evidence that fits: system sales for comparable units, or the operator's own record. It then has to test the site's traffic, visibility and drive-through flow, nearby competition, and the cost of build-out against a median near $300,000. Because the low end of the range starts at $50,000, a conversion or equipment project should say plainly what is being financed. Debt service must be covered under a slow-opening case, and an appraiser will test the income. History here is not a forecast, and neither is the median: a borrower with a smaller or larger project than the middle half should say why.