Quick Service Restaurant Feasibility Study in the Spokane-Spokane Valley, WA Metro Area

Spokane-Spokane Valley, WA puts limited-service restaurants second of 39 classes, and the area stands 101 of 779 for them nationally. Behind that sit 35 loans and $14.2 million approved across FY2017 to FY2026. A 0.79x location quotient says counter-service restaurants take a lighter share of Spokane lending than of the national book, even though only one other local class is larger. The median loan of $319,500 is 1.03x the national median, essentially level with the usual loan elsewhere.

Sizes and brand mix

Loans in the middle half run from $150,000 to $550,500, so a request beyond the upper figure would be among the largest in the cell. Franchise share is 34.3%: branded units are the smaller group and independents the larger. A Spokane study should say which route the restaurant takes, because royalty, build-out standard and equipment package all change what remains for the lender. Loan Analytics withholds the program split, so neither 7(a) nor 504 receives a count.

Four years of volume

Four years print. FY2021 shows 5 loans and $2.6 million, FY2022 shows 7 loans and $2.2 million, FY2025 shows 6 loans and $1.4 million, and FY2026 shows 7 loans and $3.3 million; FY2026 counts as a full fiscal year here. Every quick-service restaurant year not shown above is withheld on a small count, so it carries no zero. Dollars per loan swing widely across the printed years, so the volumes are context and no trend should be drawn. This cell lists neither lenders nor counties.

What a Spokane quick-service study must establish

Loss measures stay blank here. Loan Analytics will not publish cancellation or charge-off rates for Spokane quick-service restaurants on a cohort below 30 loans. A study should test traffic and sight lines at the exact site, the sales needed to clear food, labor and occupancy costs, queue space if there is a drive-through, and fit-out cost against a request near the $319,500 median. It must also support the appraisal of the property or leasehold, because the lender will weigh that value against the loan. Earlier approvals give background only, and they offer no assurance for a new quick-service borrower. Because the middle half of loans reaches only $550,500, a proposal with a larger build-out should explain where the extra cost comes from, and should show the sales needed to carry it.