Rochester: quick-service restaurant

SBA records 89 quick-service restaurant loans for Rochester, with $16.7 million approved from FY2017 to FY2026. Rochester holds spot 45 of 779 among metro areas on 89 loans; in Rochester, the class holds 2 of 39. Rochester: the 0.89x quotient shows a lighter concentration. The $75,000 median sets Rochester apart from both parents.

$75,000 in Rochester, well below the national median (0.24x), is its median; Rochester's middle half spans $25,000 to $230,000. Of 7(a) and 504, Rochester withholds the split, not zero. 28.1% of the 89 loans went to franchisees.

Rochester's 7(a) table, 21 loans held by Manufacturers and Traders Trust Company, $4.1 million; 21 held by ESL FCU, $1.3 million; 8 The Canandaigua National Bank and Trust Company, $1.5 million; 8 held by The Lyons National Bank, $1.2 million; 8 held by Five Star Bank (NY), $777,700. Rochester leaves holders under 5 loans unnamed. Rochester counties, of 89 loans: Monroe County, NY 70; Ontario County, NY 10.

Outcome floors in Rochester and approvals

14.7% or more of Rochester approvals were cancelled by FY2024. Rochester's undisbursed-loan ceiling is withheld. Rochester charge-off floor: withheld, not zero. Rochester: the cohort is too small. Rochester open loans may raise floors. Rochester, moving from 14 loans and $2.3 million in FY2017, ended on 9 loans and $1.9 million in FY2026; the peak was 19 loans and $1.8 million in FY2018, the trough 7 in FY2019. Loans by year in Rochester: FY2017 14, FY2018 19, FY2019 7, FY2022 7, FY2024 12, FY2025 12, FY2026 9. Dollars per year: FY2017 $2.3 million, FY2018 $1.8 million, FY2019 $785,200, FY2022 $1.6 million, FY2024 $3.4 million, FY2025 $1.4 million, FY2026 $1.9 million. Missing Rochester years are withheld, not zero.

Rochester: what a feasibility study must prove

Rochester saw approvals run from 7 in FY2019 to 19 in FY2018; for Rochester, plan for slow starts. Rochester's quotient, 0.89x: count rivals by drive time. Across 89 loans, drive through volume in Rochester carries $75,000. Rochester: facing slow starts, debt service holds with $16.7 million approved. For 89 loans in Rochester, kitchen costs outside $25,000 to $230,000 need cases. For 89 approvals in Rochester, appraisers split business from building.

Rochester counts 89 loans by project county. Rochester borders follow the July 2023 delineation. Rochester omits counties it cannot place. 89 loans are a rough guide to Rochester, not a census.

SBA limited-service restaurant loans in the Rochester, NY Metro Area

Loans approved, FY2017 to FY2026	89
Gross dollars approved	$16.7 million
Median loan	$75,000
Middle half of loans, from	$25,000
Middle half of loans, to	$230,000
SBA 7(a) loans	withheld
SBA 504 loans	withheld
Franchise share of loans	28.1%
Rank among metro and micro areas for limited-service restaurant loans	45 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)	0.89x
Median loan against the national median for the class	0.24x

Cancellation and charge-off

Cancelled after approval, FY2017 to FY2024 approvals (a floor)	14.7%
The same, counting loans still undisbursed as cancelled (a ceiling)	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 Rochester, NY Metro Area, by fiscal year

Fiscal year	Loans	Dollars
FY2017	14	$2.3 million
FY2018	19	$1.8 million
FY2019	7	$785,200
FY2020	withheld	withheld
FY2021	withheld	withheld
FY2022	7	$1.6 million
FY2023	withheld	withheld
FY2024	12	$3.4 million
FY2025	12	$1.4 million
FY2026	9	$1.9 million

Most active SBA lenders

SBA 7(a): lenders by loans approved (the current holder of each loan, as SBA reports it)
Lender	Loans	Dollars
Manufacturers and Traders Trust Company	21	$4.1 million
ESL FCU	21	$1.3 million
The Canandaigua National Bank and Trust Company	8	$1.5 million
The Lyons National Bank	8	$1.2 million
Five Star Bank (NY)	8	$777,700

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
Monroe County, NY	70
Ontario County, NY	10

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-40380-C35.

Related feasibility study pages

Loan Analytics prepares the feasibility study a lender reads before it commits: for a limited-service restaurant project in the Rochester, NY 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.

Daniel Smith, MAI

Quick Service Restaurant Feasibility Study in the Rochester, NY Metro Area