Quick Service Restaurant Feasibility Study in the McAllen-Edinburg-Mission, TX Metro Area
What SBA's own loan files show about limited-service restaurant lending in the McAllen-Edinburg-Mission, TX Metro Area, and what a feasibility study for a project there has to test.
Limited service restaurant loans in McAllen at a glance
McAllen reports FY2017 to FY2026 approvals: 29 limited service restaurant loans, $10.0 million gross. McAllen, for limited service restaurant, ranks 120 of 779 in the area ranking. Within McAllen, limited service restaurant ranks 2 of 39. McAllen's quotient is 1.30x: limited service restaurant above the national share.
McAllen size and franchise status
Loan size in McAllen centres on $390,000, and its middle half runs between $194,700 and $478,200. McAllen loans sit at 1.25x of the national class median. In McAllen, borrowers draw bigger loans than nationally. McAllen shows no 7(a) count. McAllen shows no 504 count either. McAllen: too few loans back either count. McAllen franchise share of loans is 65.5%. McAllen loans run larger. McAllen borrowers carry a heavier payment, which McAllen studies test.
McAllen loan holders and counties
No holder in McAllen clears the listing bar. Limited service restaurant paper in McAllen is spread thin. McAllen borrowers open with the study itself. McAllen puts all 29 loans under Hidalgo County, TX.
McAllen years, floors and coding limits
McAllen years print only in part. FY2020 brings McAllen 0 loans, $0. FY2021 brings McAllen 6 loans, $2.5 million. FY2023 brings McAllen 6 loans, $2.7 million. Other McAllen years stay blank on thin counts. McAllen blanks are silence, never zero, and McAllen treats FY2026 as complete. Floors in McAllen follow Loan Analytics' own rule. The McAllen cohort holds fewer than 30 loans. McAllen disbursements cover FY2017 to FY2021. No McAllen cancellation floor prints. No McAllen charge-off floor prints either. McAllen blanks are no zero. McAllen blanks are no clean book. Each McAllen rate is a floor. McAllen follows July 2023 boundaries. McAllen places loans by project county. McAllen drops loans lacking a placeable county.
McAllen: what a study must prove
McAllen limited service restaurant projects open with the $390,000 median, a size check for McAllen. The McAllen study should test lunch and dinner peaks separately, because a counter service unit is built around its busiest hours. In McAllen, we would price the kitchen line, signage and exterior work from contractor quotes before setting the loan amount. A McAllen lender will want the brand's average unit volume compared with what the proposed McAllen address can realistically draw. Daniel Smith, MAI, signs every McAllen limited service restaurant study. For McAllen, demand and cost are tested. In McAllen, coverage and value are tested. No McAllen approval is promised by any study.
SBA limited-service restaurant loans in the McAllen-Edinburg-Mission, TX Metro Area
| Loans approved, FY2017 to FY2026 | 29 |
|---|---|
| Gross dollars approved | $10.0 million |
| Median loan | $390,000 |
| Middle half of loans, from | $194,700 |
| Middle half of loans, to | $478,200 |
| SBA 7(a) loans | withheld |
| SBA 504 loans | withheld |
| Franchise share of loans | 65.5% |
| Rank among metro and micro areas for limited-service restaurant loans | 120 of 779 |
| Rank of limited-service restaurant among the classes in this area | 2 of 39 |
| Location quotient (share of loans against the national share) | 1.30x |
| Median loan against the national median for the class | 1.25x |
Cancellation and charge-off
| Cancelled after approval, FY2017 to FY2024 approvals (a floor) | withheld |
|---|---|
| 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 McAllen-Edinburg-Mission, TX Metro Area, by fiscal year
| Fiscal year | Loans | Dollars |
|---|---|---|
| FY2017 | withheld | withheld |
| FY2018 | withheld | withheld |
| FY2019 | withheld | withheld |
| FY2020 | 0 | $0 |
| FY2021 | 6 | $2.5 million |
| FY2022 | withheld | withheld |
| FY2023 | 6 | $2.7 million |
| FY2024 | withheld | withheld |
| FY2025 | withheld | withheld |
| FY2026 | withheld | withheld |
Where the loans are, by county
| County | Loans |
|---|---|
| Hidalgo County, TX | 29 |
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-32580-C35.
Related feasibility study pages
- Limited-service restaurant feasibility study and SBA loan data
- Feasibility Study Data for the McAllen-Edinburg-Mission, TX Metro Area
- Quick Service Restaurant Feasibility Study in Texas
- Texas feasibility study consultant
- Feasibility Study Data by Metro Area
- SBA feasibility study consultant
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Loan Analytics prepares the feasibility study a lender reads before it commits: for a limited-service restaurant project in the McAllen-Edinburg-Mission, TX 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.
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