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FY2026 are not published for Oxnard-Thousand Oaks-Ventura, as counts are thin, so a Oxnard-Thousand Oaks-Ventura gap is unpublished, nothing more.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 FY2026 | 55 |
|---|---|
| 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) loans | withheld |
| SBA 504 loans | withheld |
| Franchise share of loans | 41.8% |
| Rank among metro and micro areas for limited-service restaurant loans | 61 of 779 |
| Rank of limited-service restaurant among the classes in this area | 2 of 39 |
| Location quotient (share of loans against the national share) | 0.87x |
| Median loan against the national median for the class | 0.96x |
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
| Fiscal year | Loans | Dollars |
|---|---|---|
| FY2017 | 10 | $2.9 million |
| FY2018 | 8 | $5.1 million |
| FY2019 | 5 | $1.7 million |
| FY2020 | withheld | withheld |
| FY2021 | 0 | $0 |
| FY2022 | withheld | withheld |
| FY2023 | 6 | $3.0 million |
| FY2024 | 5 | $2.2 million |
| FY2025 | withheld | withheld |
| FY2026 | withheld | withheld |
Most active SBA lenders
| Lender | Loans | Dollars |
|---|---|---|
| Royal Business Bank | 6 | $3.8 million |
| U.S. Bank, National Association | 5 | $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
| County | Loans |
|---|---|
| Ventura County, CA | 55 |
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.
Related feasibility study pages
- Limited-service restaurant feasibility study company
- Feasibility Study Data for the Oxnard-Thousand Oaks-Ventura, CA Metro Area
- Quick Service Restaurant Feasibility Study in California
- Feasibility study data and consultants for California
- Feasibility Study Data by Metro Area
- SBA feasibility study company
- Quick Service Restaurant Feasibility Study in the New York-Newark-Jersey City, NY-NJ Metro Area
- Quick Service Restaurant Feasibility Study in the Los Angeles-Long Beach-Anaheim, CA Metro Area
- Quick Service Restaurant Feasibility Study in the Dallas-Fort Worth-Arlington, TX Metro Area
- Quick Service Restaurant Feasibility Study in the Chicago-Naperville-Elgin, IL-IN Metro Area
- Quick Service Restaurant Feasibility Study in the Atlanta-Sandy Springs-Roswell, GA Metro Area
- Quick Service Restaurant Feasibility Study in the Boston-Cambridge-Newton, MA-NH Metro Area
- Restaurant Feasibility Study in the Oxnard-Thousand Oaks-Ventura, CA Metro Area
- Auto Repair Shop Feasibility Study in the Oxnard-Thousand Oaks-Ventura, CA Metro Area
- Fitness Center Feasibility Study in the Oxnard-Thousand Oaks-Ventura, CA Metro Area
- Dental Office Feasibility Study in the Oxnard-Thousand Oaks-Ventura, CA Metro Area
- Medical Office Feasibility Study in the Oxnard-Thousand Oaks-Ventura, CA Metro Area
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.
Request Scope & Timeline
Start with the data.
Contact Us