Quick Service Restaurant Feasibility Study in the Modesto, CA Metro Area

Modesto: a quick-service median that stands apart

The median loan is what sets Modesto, CA apart in SBA's file for limited-service restaurants: at $462,000, it comes to 1.49x the national figure, and that ratio is the metric on which this cell differs most clearly from its parents. The class ranks 2nd of 39 in the area, which sits 105th of 779 for it. There are 33 loans worth $16.6 million for FY2017 to FY2026. Counter-service concepts weigh more here than nationally, at 1.30x on the location quotient, though the page does not call that figure distinctive.

The middle half runs from $310,000 to $708,500, a fairly tight band. Franchise units are 69.7% of the loans. SBA lists The Huntington National Bank as present holder of 6 loans valued at $1.6 million. Stanislaus County accounts for all 33 loans, so Modesto's file is a one-county record. The program split is not printed.

Years

FY2018 had 5 loans worth $3.1 million, FY2019 had 6 worth $3.2 million, and FY2024 had 5 worth $1.7 million. The remaining Modesto years hold too little to show. Since the cohort numbers fewer than 30 loans, Modesto gets no cancellation or charge-off rate. Each loan reaches Modesto through its project county on the 2023 map.

The page shows no program split and no county list beyond Stanislaus, so a reader cannot learn from it whether Modesto's larger loans are 504 real estate loans or 7(a) loans. That limit matters: a borrower should ask a lender how the median would look for a leased unit against an owned building, and the study can lay out both cases so the request is sized on the right basis.

Testing a Modesto counter-service unit

Modesto planning begins with unit sales set against land, building and kitchen cost, and with cash flow shown to cover the payment comfortably. Because the median here is well above the national figure, a lender will ask why a request needs that scale, and the plan must justify its build cost and equipment. Where a franchise system applies, royalties and the required standard should be set beside the $462,000 median. Drive-through queue room and access at the parcel need on-site evidence.