Quick Service Restaurant Feasibility Study in the Kansas City, MO-KS Metro Area

What Kansas City adds beyond its state

The Kansas City total comes to 139 loans approved for quick-service restaurants over FY2017 to FY2026, with $82.0 million in gross dollars. A ratio of 1.00x on the location quotient puts fast food and counter-service restaurants at about the same portion in Kansas City against the country as a whole. The Kansas City median loan is $400,000, 1.29x the class median nationwide. By rank, Kansas City is 34 of 779 inside metro and micro areas, and limited-service restaurants rank 2 among the 39 lending classes in the area. The central half of loans runs from $172,150 to $703,000.

Programs, franchises and lenders in Kansas City

60.4% of the Kansas City loans went to franchised businesses. In the file, 7(a) accounts for 129 of the loans and 504 for 10, so most quick-service restaurant lending in Kansas City runs through 7(a). Under 7(a), the largest holder is UMB Bank, National Association, with 23 loans and $8.0 million; Live Oak Banking Company ranks second at 5, and Community National Bank & Trust is third at 5. This table lists no 504 lender for limited-service restaurants in Kansas City. Lender figures for limited-service restaurants in Kansas City reflect SBA's holder field: at present, credit goes to the present holder, on this record, so these rows are no guide to underwriting.

Counties and years in Kansas City

Johnson County, KS holds the most loans at 53; Jackson County, MO follows with 43, and Clay County, MO has 18. The yearly record peaks in FY2025 at 22 loans and $12.6 million, and bottoms out in FY2020 at 8 approvals and $4.5 million.

Floors and limits behind the Kansas City figures

No fewer than 7.8% of quick-service restaurant approved loans in Kansas City ended in cancellation after approval across FY2017 to FY2024 approvals, a floor; the ceiling, which also counts loans never disbursed as cancelled, is 7.8%. The funded cohort of limited-service restaurant loans in Kansas City is under 30 loans, so no loss rate is printed by Loan Analytics for it; that is not a zero. Kansas City should be read as a county-built number: SBA's project county, paired by name to 2023 areas, by SBA's count, decides inclusion for limited-service restaurants.

Feasibility questions for limited-service restaurants around Kansas City

First of all, Kansas City demand has to be tested: breakfast against dinner sales, and brand strength if franchised. The approval history of 139 approvals reflects what institutions did for limited-service restaurants, on this record, and is silent on any one address. Cost lines to price include franchise fees and buildout and equipment and signage rules; the sum is then set against Kansas City loans of $172,150 to $703,000, with $400,000 at the center. The appraisal needs its own attention: equipment against real estate, and transfer rights in a sale. The work must print debt service coverage for limited-service restaurants in Kansas City in a slow-ramp case; the cancellation floor on this page explains why.