Quick Service Restaurant Feasibility Study in the Oxnard-Thousand Oaks-Ventura, CA Metro Area

What SBA's own loan files show about limited-service restaurant lending in the Oxnard-Thousand Oaks-Ventura, CA Metro Area, and what a feasibility study for a project there has to test.

Quick service restaurant in Oxnard-Thousand Oaks-Ventura against the national picture

55 SBA loans worth $27.5 million were approved in Oxnard-Thousand Oaks-Ventura, CA from FY2017 to FY2026, a rank of 61 of 779 among metro and micro areas. Measured against the nation, Oxnard-Thousand Oaks-Ventura's quick service restaurant share is 0.87x the national share: Oxnard-Thousand Oaks-Ventura leans away from the class. Ranked inside Oxnard-Thousand Oaks-Ventura, the class sits 2 of 39, a leading line here. Every project county in Oxnard-Thousand Oaks-Ventura lies in CA.

The median Oxnard-Thousand Oaks-Ventura loan comes to $300,000, with its middle half between $157,500 and $550,000. Our median is 0.96x the national class median, so Oxnard-Thousand Oaks-Ventura loans run typical. No 7(a) versus 504 split is printed for Oxnard-Thousand Oaks-Ventura. Thin counts sit under Oxnard-Thousand Oaks-Ventura's split; Oxnard-Thousand Oaks-Ventura silence is not nil. In Oxnard-Thousand Oaks-Ventura, franchised loans make up 41.8% of the class, a brand gauge. For Oxnard-Thousand Oaks-Ventura borrowers, that is context only.

Oxnard-Thousand Oaks-Ventura holders and counties for quick service restaurant

On the 7(a) side in Oxnard-Thousand Oaks-Ventura, the leading holders recorded are Royal Business Bank reports 6 loans, $3.8 million in all; and U.S. Bank, National Association reports 5 loans, $855,200 in all. The 504 table for Oxnard-Thousand Oaks-Ventura is empty. Every Oxnard-Thousand Oaks-Ventura row is an SBA record. Oxnard-Thousand Oaks-Ventura lenders hold or held these loans. The Oxnard-Thousand Oaks-Ventura table describes files, not practices. Oxnard-Thousand Oaks-Ventura rows state no lender requirement. Oxnard-Thousand Oaks-Ventura place by place: Ventura County, CA records 55 loans.

Year by year, Oxnard-Thousand Oaks-Ventura shows FY2017 (10 loans, $2.9 million), FY2018 (8 loans, $5.1 million), FY2019 (5 loans, $1.7 million), FY2021 (0 loans, $0), FY2023 (6 loans, $3.0 million) and FY2024 (5 loans, $2.2 million). FY2020, FY2022, FY2025 and FY2026 are not published for Oxnard-Thousand Oaks-Ventura, as counts are thin, so a Oxnard-Thousand Oaks-Ventura gap is unpublished, nothing more. Oxnard-Thousand Oaks-Ventura's cancellation floor is not shown. Too few Oxnard-Thousand Oaks-Ventura approvals exist to print one. The Oxnard-Thousand Oaks-Ventura charge-off floor is withheld. A thin Oxnard-Thousand Oaks-Ventura cohort means unpublished. Every Oxnard-Thousand Oaks-Ventura figure follows federal lines from July 2023, and each Oxnard-Thousand Oaks-Ventura project is placed by county, so Oxnard-Thousand Oaks-Ventura drops loans with unmatched counties.

Oxnard-Thousand Oaks-Ventura: testing a quick service restaurant project

For a quick service restaurant project in Oxnard-Thousand Oaks-Ventura, CA, the record gives context; a study proves. In Oxnard-Thousand Oaks-Ventura, a study has to test competing concepts on the same corridor. Oxnard-Thousand Oaks-Ventura lenders need the study to show franchise approval and opening timeline. Oxnard-Thousand Oaks-Ventura reviewers will check the building apart from the brand. The Oxnard-Thousand Oaks-Ventura file should document drive-through lane length and daily counts. Oxnard-Thousand Oaks-Ventura analysis should establish sales against the franchisor's stated economics. For Oxnard-Thousand Oaks-Ventura: demand, cost, coverage, value. Oxnard-Thousand Oaks-Ventura lenders receive a file to examine.

SBA limited-service restaurant loans in the Oxnard-Thousand Oaks-Ventura, CA Metro Area

Loans approved, FY2017 to FY202655
Gross dollars approved$27.5 million
Median loan$300,000
Middle half of loans, from$157,500
Middle half of loans, to$550,000
SBA 7(a) loanswithheld
SBA 504 loanswithheld
Franchise share of loans41.8%
Rank among metro and micro areas for limited-service restaurant loans61 of 779
Rank of limited-service restaurant among the classes in this area2 of 39
Location quotient (share of loans against the national share)0.87x
Median loan against the national median for the class0.96x

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 Oxnard-Thousand Oaks-Ventura, CA Metro Area, by fiscal year

0246810FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025FY2026Loans, FY2017: 10Loans, FY2018: 8Loans, FY2019: 5Loans, FY2021: 0Loans, FY2023: 6Loans, FY2024: 5
Fiscal yearLoansDollars
FY201710$2.9 million
FY20188$5.1 million
FY20195$1.7 million
FY2020withheldwithheld
FY20210$0
FY2022withheldwithheld
FY20236$3.0 million
FY20245$2.2 million
FY2025withheldwithheld
FY2026withheldwithheld

Most active SBA lenders

SBA 7(a): lenders by loans approved (the current holder of each loan, as SBA reports it)
LenderLoansDollars
Royal Business Bank6$3.8 million
U.S. Bank, National Association5$855,200

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
Ventura County, CA55

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-37100-C35.

Loan Analytics prepares the feasibility study a lender reads before it commits: for a limited-service restaurant project in the Oxnard-Thousand Oaks-Ventura, CA 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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