Quick Service Restaurant Feasibility Study in the Jackson, MS Metro Area
What SBA's own loan files show about limited-service restaurant lending in the Jackson, MS Metro Area, and what a feasibility study for a project there has to test.
Limited service restaurant loans in Jackson at a glance
Jackson reports FY2017 to FY2026 approvals: 25 limited service restaurant loans, $10.8 million gross. Jackson, on limited service restaurant loans, holds place 132 of 779 among areas. Inside Jackson, limited service restaurant places 3 of 39. Jackson has a quotient of 0.73x, limited service restaurant below the national share.
Jackson loan sizes and mix
Jackson shows half its loans at or under $294,000, with the middle half spanning $110,000 up to $400,000. Jackson loans sit at 0.95x of the national class median. In Jackson, borrowers draw smaller loans than nationally. Jackson has 25 SBA 7(a) loans. Jackson has 0 SBA 504 loans. Jackson finances fixed assets through 504. In Jackson, 7(a) is the broader program. Jackson's split shows its financing mix. Jackson loans show a 56.0% franchise share. Jackson shows a smaller median. Jackson projects were modest in scale. In Jackson, budget comparisons should note it.
Jackson loan holders and counties
Jackson lists no lender. Limited service restaurant holders in Jackson are many. Jackson borrowers open with the study itself. Jackson, county by county: 11 in Madison County, MS, and 8 in Rankin County, MS.
Jackson floors, limits and yearly record
Jackson years print only in part. FY2018 brings Jackson 0 loans, $0. FY2019 brings Jackson 0 loans, $0. FY2020 brings Jackson 5 loans, $1.0 million. Other Jackson years are withheld. Thin counts leave Jackson totals unknown. In Jackson, no blank is a zero, and Jackson treats FY2026 as complete. Floors in Jackson follow Loan Analytics' own rule. The Jackson cohort holds fewer than 30 loans. Jackson disbursements cover FY2017 to FY2021. No Jackson cancellation floor prints. No Jackson charge-off floor prints either. Jackson blanks are no zero. Jackson blanks are no clean book. Each Jackson rate is a floor. Jackson follows July 2023 boundaries. Jackson places loans by project county. Jackson drops loans lacking a placeable county.
Jackson: what a study must prove
Jackson treats $110,000 to $400,000 as the range to explain in Jackson. Delivery and online ordering belong in the Jackson model as a cost and a revenue line, with fees tested against the margin left. Where a Jackson unit is franchised, the study checks the transfer terms, the remaining term and any required remodel. A study of a Jackson unit also tests a site with a drive-through lane against one without, since the two earn different sales. Daniel Smith, MAI, signs every Jackson limited service restaurant study. For Jackson, demand and cost are tested. In Jackson, coverage and value are tested. Jackson borrowers are promised no approval here.
SBA limited-service restaurant loans in the Jackson, MS Metro Area
| Loans approved, FY2017 to FY2026 | 25 |
|---|---|
| Gross dollars approved | $10.8 million |
| Median loan | $294,000 |
| Middle half of loans, from | $110,000 |
| Middle half of loans, to | $400,000 |
| SBA 7(a) loans | 25 |
| SBA 504 loans | 0 |
| Franchise share of loans | 56.0% |
| Rank among metro and micro areas for limited-service restaurant loans | 132 of 779 |
| Rank of limited-service restaurant among the classes in this area | 3 of 39 |
| Location quotient (share of loans against the national share) | 0.73x |
| Median loan against the national median for the class | 0.95x |
Cancellation and charge-off
| Cancelled after approval, FY2017 to FY2024 approvals (a floor) | not reported: fewer than 30 loans in the cohort |
|---|---|
| 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 Jackson, MS Metro Area, by fiscal year
| Fiscal year | Loans | Dollars |
|---|---|---|
| FY2017 | withheld | withheld |
| FY2018 | 0 | $0 |
| FY2019 | 0 | $0 |
| FY2020 | 5 | $1.0 million |
| FY2021 | withheld | withheld |
| FY2022 | withheld | withheld |
| FY2023 | withheld | withheld |
| FY2024 | withheld | withheld |
| FY2025 | withheld | withheld |
| FY2026 | withheld | withheld |
Where the loans are, by county
| County | Loans |
|---|---|
| Madison County, MS | 11 |
| Rankin County, MS | 8 |
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-27140-C35.
Related feasibility study pages
- Feasibility studies for limited-service restaurant projects
- Feasibility Study Data for the Jackson, MS Metro Area
- Quick Service Restaurant Feasibility Study in Mississippi
- Feasibility study data and consultants for Mississippi
- Feasibility Study Data by Metro Area
- Feasibility studies for SBA 7(a) and 504 loans
- Quick Service Restaurant Feasibility Study in the New York-Newark-Jersey City, NY-NJ Metro Area
- Quick Service Restaurant Feasibility Study in the Los Angeles-Long Beach-Anaheim, CA Metro Area
- Quick Service Restaurant Feasibility Study in the Dallas-Fort Worth-Arlington, TX Metro Area
- Quick Service Restaurant Feasibility Study in the Chicago-Naperville-Elgin, IL-IN Metro Area
- Quick Service Restaurant Feasibility Study in the Atlanta-Sandy Springs-Roswell, GA Metro Area
- Quick Service Restaurant Feasibility Study in the Boston-Cambridge-Newton, MA-NH Metro Area
- Restaurant Feasibility Study in the Jackson, MS Metro Area
- Hotel Feasibility Study in the Jackson, MS Metro Area
Loan Analytics prepares the feasibility study a lender reads before it commits: for a limited-service restaurant project in the Jackson, MS Metro Area, financed under SBA 7(a), SBA 504, USDA Business and Industry or a conventional bank loan. Tell us the project and the lender's deadline, and we reply with scope, timeline and fee.
Request Scope & Timeline
Start with the data.
Contact Us