Quick Service Restaurant Feasibility Study in the New Orleans-Metairie, LA Metro Area

What SBA's own loan files show about limited-service restaurant lending in the New Orleans-Metairie, LA Metro Area, and what a feasibility study for a project there has to test.

Parish-based quick service: Orleans leads

Quick service restaurants rank second locally in New Orleans-Metairie, 2 of 39, but the metro is only 89 of 779 nationally, and a location quotient of 1.02x puts the class right at its national share. The record holds 39 loans and $19.3 million across FY2017 to FY2026. The middle of the New Orleans book spans $150,000 to $627,650, around a $300,000 midpoint that is 0.96x of the national one.

Franchise flags cover 41.0% of loans. The New Orleans quick service program split is withheld by Loan Analytics, so the page cannot say how the loans divide. Hancock Whitney Bank is the single holder at the listing threshold: 7 loans, $3.1 million. Holder rows are administrative facts about the loans, without implication for the lenders' policies.

Parishes and years

Louisiana counts parishes, not counties, and the two that appear are Orleans Parish, LA with 22 loans and Jefferson Parish, LA with 10, so the record is almost wholly the city and its closest suburb, and a site in a parish beyond those two has no local precedent in this file. Only the three most recent years print: FY2024 with 5 loans and $2.1 million, FY2025 with 8 and $4.9 million and FY2026 with 5 and $2.3 million. Loan Analytics withholds FY2017 through FY2023, so the earlier cycle is invisible; three years are too few to show a direction.

Neither loss measure is printed for New Orleans quick service; both are withheld on a thin cohort, which is not the same as zero. Membership in the New Orleans-Metairie metro is decided county by county under the July 2023 delineation, so some nearby loans may be missing here.

What a New Orleans quick service study must test

A counter-service study tests traffic by daypart on the specific corridor, the customer mix, insurance cost at the site, and the competing brands in range. The build-out is checked against the $300,000 midpoint, and the sales model has to leave room for royalties, food cost and the loan payment. The appraisal values the going restaurant and its lease. These figures do not predict any credit decision.

SBA limited-service restaurant loans in the New Orleans-Metairie, LA Metro Area

Loans approved, FY2017 to FY202639
Gross dollars approved$19.3 million
Median loan$300,000
Middle half of loans, from$150,000
Middle half of loans, to$627,650
SBA 7(a) loanswithheld
SBA 504 loanswithheld
Franchise share of loans41.0%
Rank among metro and micro areas for limited-service restaurant loans89 of 779
Rank of limited-service restaurant among the classes in this area2 of 39
Location quotient (share of loans against the national share)1.02x
Median loan against the national median for the class0.96x

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 New Orleans-Metairie, LA Metro Area, by fiscal year

02468FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025FY2026Loans, FY2024: 5Loans, FY2025: 8Loans, FY2026: 5
Fiscal yearLoansDollars
FY2017withheldwithheld
FY2018withheldwithheld
FY2019withheldwithheld
FY2020withheldwithheld
FY2021withheldwithheld
FY2022withheldwithheld
FY2023withheldwithheld
FY20245$2.1 million
FY20258$4.9 million
FY20265$2.3 million

Most active SBA lenders

SBA 7(a): lenders by loans approved (the current holder of each loan, as SBA reports it)
LenderLoansDollars
Hancock Whitney Bank7$3.1 million

Lenders with 5 or more loans here; a lender with fewer is not listed, and loans SBA or a receiver holds are counted but never listed as a lender.

Where the loans are, by county

CountyLoans
Orleans Parish, LA22
Jefferson Parish, LA10

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-35380-C35.

Loan Analytics prepares the feasibility study a lender reads before it commits: for a limited-service restaurant project in the New Orleans-Metairie, LA 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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