Quick Service Restaurant Feasibility Study in the Santa Rosa-Petaluma, CA Metro Area

The median is the distinctive figure

In Santa Rosa-Petaluma, limited-service restaurant loans stand at 5 of 39 among Santa Rosa-Petaluma's classes, and Santa Rosa-Petaluma is 111 of 779 on the national list for them. The median loan is the distinctive metric in Santa Rosa-Petaluma's limited-service restaurant cell: $387,800 is 1.25x the national median throughout limited-service restaurants, and on that measure Santa Rosa-Petaluma stands apart from the limited-service restaurant class nationally. The 32 approved loans, worth $16.4 million, all sit in Sonoma County, and they were booked between FY2017 and FY2026.

Limited-service restaurant loans take a thinner slice of SBA lending in Santa Rosa-Petaluma than nationally (location quotient 0.81x). The interquartile band stretches from $275,500 to $580,750, a notably narrow band that sits above the middle band of many restaurant cells. The program mix is 27 under 7(a) and 5 under 504, out of 32. A franchise brand attaches to 31.3% of them, so independents make up the large majority. Santa Rosa-Petaluma supplies only loans that SBA recorded for limited-service restaurant, so counts for Santa Rosa-Petaluma say nothing about projects financed in Santa Rosa-Petaluma another way.

A holder and the years shown

In SBA's records U.S. Bank, National Association is the present holder of 7 7(a) loans worth $2.4 million. The record names the present holders and nothing on method. Three years are shown: FY2017 with no loans and $0, FY2020 with 6 loans and $1.2 million, and FY2022 with 8 loans and $4.5 million, the biggest. Loan Analytics leaves out Santa Rosa-Petaluma's both outcome rates since the Santa Rosa-Petaluma FY2017 to FY2021 group counts under 30 loans, and in Santa Rosa-Petaluma our own method bites. A missing rate in Santa Rosa-Petaluma should never be read as zero.

A median above the national one means the typical Sonoma County restaurant loan carries more cost, whether from buildout, equipment or real estate; the page cannot say which. For a lender it is a signal to ask what the money buys. For a borrower it is a reason to document the budget line by line, since a request near the Santa Rosa-Petaluma median will be set beside with a distribution that is narrow and sits at 1.25x the national median.

Proof a study in Santa Rosa-Petaluma has to supply

A Santa Rosa restaurant plan must test traffic and visibility at the site and how much each unit must sell to pay for space, staff and any royalty. The loan payment should be shown beside the elevated median of $387,800, with a lower-sales case. An appraisal must support the cost of any building or leasehold. Federal county lines define Santa Rosa-Petaluma, so loans from counties Santa Rosa-Petaluma cannot match are absent from the totals.