Quick Service Restaurant Feasibility Study in the Harrisburg-Carlisle, PA Metro Area

Limited-service restaurants hold second place among 39 asset classes in the Harrisburg-Carlisle, PA Metro Area, a ranking that the area's all-class total cannot reveal. Behind it sit 37 loans and $17.4 million approved across FY2017 to FY2026. A 1.33x location quotient means counter-service food weighs more in Harrisburg-Carlisle lending than in the national book, yet the area is only 94 of 779 when metros are ranked on the class, so the weight is local rather than a matter of sheer volume.

Small tickets that track the national norm

A median loan of $306,000 comes out at 0.98x the national median, nearly level. Loans in the middle band start at $50,000 and stop at $655,000, so a plan that needs far more than that is asking for something outside the usual Harrisburg-Carlisle pattern. The franchise share is 56.8%: branded units are a slim majority, with a sizeable independent minority beside them. A study must say which path the restaurant takes, since royalties, build-out standards and fees change the cash left to service debt. Neither 7(a) nor 504 receives a count in this cell, since Loan Analytics holds both back.

Holders, county and years

Among 7(a) loans, Manufacturers and Traders Trust Company is shown as current holder of 9 loans worth $580,000, an average that suits the small tickets above. That is how SBA records the paper today; it is no verdict on the company's practices. Cumberland County, PA accounts for 21 of the 37 loans. Five years print: FY2017 with 6 loans and $2.4 million, FY2023 with 7 loans and $2.5 million, FY2024 with 0 loans and $0, FY2025 with 5 loans and $6.8 million, and FY2026 with 5 loans and $2.6 million. The other years are withheld, never shown as zero, while FY2026 stands as a full fiscal year in this data.

Testing a quick-service site here

Loan Analytics holds back the cancellation and charge-off rates for Harrisburg-Carlisle quick-service restaurants, since the cohort is thinner than 30 loans. A lender therefore has no loss floor for them. A study for a quick-service restaurant at a Harrisburg-Carlisle site should test passing traffic and visibility at the exact corner, queue space if a drive-through is planned, fit-out cost against a request likely to land below $655,000, and sales that clear food, labor and occupancy costs and still cover the debt. It should also give the appraiser a reasoned basis for the value of the real estate or the leasehold. Everything above looks backward at loans already made and forecasts nothing about a fresh request.