Quick Service Restaurant Feasibility Study in the Orlando-Kissimmee-Sanford, FL Metro Area

What Orlando adds beyond its state

Orlando borrowers starting or acquiring limited-service restaurants received 229 approvals from FY2017 to FY2026, carrying $127.6 million in gross dollars. Local sizing is anchored by $421,000; at the source, set against the class's national median, for a reader, that is a ratio of 1.35x, so loans run larger here. A ratio of 1.21x on the location quotient puts quick-service restaurants with a larger weight in Orlando against the country as a whole. In rank terms, Orlando is 19 of 779 across metro and micro areas, at the source, and within the area it leads the list of classes, 1 of 39. Most borrowers drew amounts between $231,000 and $724,900.

The Orlando lender and program record

By program, the file counts 207 approvals under 7(a) and 22 under 504; this split tells a borrower which program fast food and counter-service restaurants projects have used in Orlando. Franchise-affiliated borrowers make up 69.0% of quick-service restaurant loans here. Inside 504 lending, Florida Business Development Corporation (12 loans, $8.9 million), after it, Florida First Capital Finance Corporation, Inc. (5). Among 7(a) lenders in Orlando, The Huntington National Bank (24 loans, $5.9 million), next is Newtek Bank, National Association (12 loans) plus Live Oak Banking Company (10 loans). The names above are the present holders of these approvals as SBA reports them, at the source, so the table reports who carries the approvals now, not who made the original approval and never what any of them requires.

Orlando by county and fiscal year

134 loans sit in Orange County, FL, 36 in Seminole County, FL and 31 in Osceola County, FL. Volume was highest in FY2024, with 33 loans worth $18.9 million, and lowest in FY2017, with 18 approvals worth $6.8 million.

Floors that can only move up for quick-service restaurants

Orlando quick-service restaurant loans from FY2017 to FY2024 reveal a cancellation floor of 14.6%, and a ceiling of 14.6% when undisbursed approvals are counted as cancelled. Orlando counts a quick-service restaurant loan only if the county named for the project falls in the 2023 metro boundaries, so a loan with an unplaceable county never counts. The charge-off number is 10.2% to date across 88 disbursed Orlando approvals from FY2017 to FY2021, a lower bound that may climb, with the five-year rate withheld by Loan Analytics.

What a quick-service restaurants study must settle in Orlando

For a planned fast food and counter-service restaurants project in Orlando, the work must test demand first, meaning delivery platforms and commissions together with breakfast against dinner sales. The 229 approvals show lenders have funded quick-service restaurants there, and that does not carry over to one site. Last, the appraisal of an Orlando site for quick-service restaurants should address equipment against real estate, along with sales per site against system. The coverage test should assume a slow first period, because Orlando reports quick-service restaurant loans that did not run as approved. Nothing here guarantees an approval; it simply offers banks and borrowers a shared reference in Orlando. On cost, drive-through lane work and franchise fees and buildout must show up in the budget for limited-service restaurants, in this cell, which is then read next to the $231,000 to $724,900 range institutions in Orlando have funded.