Quick Service Restaurant Feasibility Study in the Ogden, UT Metro Area

Ogden: the lead class, with a lighter local share

Counter-service dining tops Ogden's class list, 1 of 39, yet its location quotient of 0.77x says it weighs less here than elsewhere, and the metro is 76 of 779 for such loans. The 46 loans, worth $23.5 million over FY2017 to FY2026, have a median of $333,100 that is 1.07x the national median. Franchises account for 54.3% of the loans. Ogden is, in short, a market with the usual brand-led pattern and a typical ticket.

Who lends and how loans are built

The central half runs from $201,850 to $581,600, and the lower end is high for the class. The program split puts 7(a) at 39 loans and 504 at 7. America First Federal Credit Union is the only holder named, at 9 7(a) loans worth $2.1 million, a modest average. That line is SBA's record of loans held. Davis County supplies 24 of the loans, about half, and the rest are spread among counties too small to print.

The years that can be printed: 7 loans in FY2017 ($4.9 million), 6 in FY2018 ($2.8 million), 5 in FY2020 ($1.0 million), 7 in FY2021 ($5.5 million) and 5 in FY2024 ($2.8 million). The remaining five years stay hidden, which means the page cannot describe recent activity. Neither outcome rate is published for Ogden, and neither is zero. Ogden membership turns on the county where the project sits.

Context matters for how a lender will read these numbers. A class that leads the metro yet sits below the national weight can mean a market where dining out is dominated by a few formats, so the evidence for any new unit should include what formats already surround the site, how much of the 54.3% franchise share is concentrated near the same traffic corridors, and whether the proposed unit adds a genuinely different offer. County placement matters as well, since Davis County supplies 24 of the loans and the rest of the metro is thinner.

Pinning down an Ogden counter-service unit

Any plan for such a unit should establish whether it is a franchise or an independent. For a franchise, the sales of comparable units and the system's build-out cost are central; for an independent, the owner's own volume proof. The study should test the site's traffic, drive-through layout, parking and visibility, and the competing restaurants within the trade area, along with labor cost and hours. Cash flow should cover debt service in a slow opening, and an appraiser will test the same income. A median near $333,100 sets a reference, not a ceiling or a promise.