Quick Service Restaurant Feasibility Study in the Fort Collins-Loveland, CO Metro Area

How Fort Collins-Loveland ranks for quick service restaurant

Fort Collins-Loveland, CO places 85 of 779 among metro and micro areas for quick service restaurant loans, on 40 SBA approvals worth $12.9 million, spread across FY2017 to FY2026. Its location quotient reads 1.13x the national share, so the class carries somewhat more weight here than nationally. Within the area the class ranks 2 of 39, so it is a large piece of the local mix. Every project county is in CO.

The median loan comes to $349,950, with its middle half between $157,225 and $448,350. That median is 1.13x the class median across the nation, so Fort Collins-Loveland borrowers take bigger loans. The program split is not printed by Loan Analytics, since counts this thin would mislead; blanks are not zeros. Franchised loans make up 65.0% of the class, which says little about any one project.

Fort Collins-Loveland: who holds the loans, and where

Under 7(a), the leading holder recorded is First National Bank of Omaha at 5 loans and $1.1 million. The 504 table is empty. The rows record the holder SBA lists for each loan; they show files, not conduct, and state no lender requirement. By county, Larimer County, CO leads with 40 loans.

SBA prints these yearly approvals: 5 loans and $997,300 in FY2018, 7 loans and $1.9 million in FY2020, 6 loans and $2.5 million in FY2021 and 6 loans and $1.9 million in FY2024. Loan Analytics withholds FY2017, FY2019, FY2022, FY2023, FY2025 and FY2026 because few loans back them, so the gaps mean unpublished, never zero. No cancellation floor is published here, nor a charge-off floor; too few approvals exist. The totals follow the July 2023 delineation, and a loan is counted here only when its project county can be matched to the area.

Proving a quick service restaurant project in Fort Collins-Loveland

The record cannot stand in for a parcel, so a study must establish pad site rent and ground lease terms, test franchise approval and the opening timeline, and treat the building apart from the brand. Coverage should be tested with higher labor cost, and the file should include the length of the drive-through lane and the daily counts. Each of demand, cost, coverage and value needs evidence specific to the project.