Quick Service Restaurant Feasibility Study in the Portland-Vancouver-Hillsboro, OR-WA Metro Area

What Portland adds outside its state

Between FY2017 and FY2026, applicants opening or buying limited-service restaurants in Portland took 158 loans with $66.4 million in gross dollars. Loan size here centers on $240,000; that is 0.77x the class median nationwide, so loans run smaller here. The location quotient, 0.78x, states fast food and counter-service restaurants take a smaller portion of approvals in Portland against the nationwide mix. Nationally For these approvals Portland sits at 32 of 779 metro and micro areas, and locally the class stands 2 of 39 against its area peers. The middle half of Portland borrowers drew $50,000 to $524,725.

Who holds quick service restaurant loans around Portland

Among 504 holders in Portland, Evergreen Business Capital leads at 5. Quick-service restaurant borrowers in Portland used 7(a) 153 times and 504 5 times, a split worth knowing before picking a program. The franchise share of Portland approvals is 41.1%. Under 7(a) lending, Columbia Bank (OR) (24 loans), then U.S. Bank, National Association (22) plus KeyBank National Association (10 loans). SBA's data lists each bank as holding the loan; the names locate the paper and say nothing about what a borrower must meet.

Portland by county and fiscal year

Multnomah County, OR holds the most loans at 48; Washington County, OR follows with 39, and Clark County, WA has 35. Volume was highest in FY2018, with 23 loans worth $6.8 million, and lowest in FY2019, with 8 loans worth $3.0 million.

Reading the Portland floors with care

The loss rate for quick-service restaurants in Portland stays hidden; the cohort is under 30 loans, so no number is quoted. Portland here is a county grouping matched by name to the 2023 area definitions, so quick-service restaurant loans whose county cannot be set are missing from Portland as well. Post-approval cancellation reached 15.4% for Portland fast food and counter-service restaurants approvals of FY2017 to FY2024; that is a floor, and the ceiling is held back for lack of loans.

Feasibility questions for quick-service restaurants around Portland

Demand comes first for quick-service restaurants in Portland: delivery platforms and commissions, then drive-through and walk-in counts. Lenders have funded 158 loans in the class, yet that count shows an applicant little about one address until site-level numbers are built. Coverage of debt service determines the case for quick-service restaurants in Portland: it has to hold when sales build slowly, as filed, given the floors above show cancelled loans nearby. The build-out budget should itemize labor cost per transaction and drive-through lane work, and then be compared with what Portland lenders financed: $240,000 at the median. No study promises an approval; it gives a lender and an applicant one shared reading of the SBA file for Portland. Appraisal questions for limited-service restaurants in Portland include sales per site against system and transfer rights in a sale.