Quick Service Restaurant Feasibility Study in the Tucson, AZ Metro Area
What SBA's own loan files show about limited-service restaurant lending in the Tucson, AZ Metro Area, and what a feasibility study for a project there has to test.
How Tucson ranks for quick service restaurant
Tucson, AZ stands 75 of 779 among metro and micro areas, with 47 SBA approvals across FY2017 to FY2026 worth $30.3 million. Measured against the nation, Tucson's quick service restaurant share is 0.99x of the national share: Tucson tracks the national weighting. Inside Tucson, the class ranks 1 of 39, a top-tier line. Each Tucson project county is in AZ.
The median Tucson loan comes to $391,700, with its middle half between $261,250 and $784,250. That median is 1.26x the class median nationally, so Tucson tickets run bigger. Tucson programs split 39 to 7(a) and 8 to 504, a lender focus. For Tucson, 504 means property and heavy equipment. In Tucson, franchised loans make up 66.0% of the class, a brand gauge. Tucson borrowers can read that as context.
Quick service restaurant lenders in Tucson
Under 7(a) in Tucson, SBA records these holders Live Oak Banking Company: 6 loans, $4.0 million. No 504 holder is listed for Tucson. Each Tucson row is an SBA record. These Tucson loans sit with the lenders named. Tucson figures show files, not conduct. Nothing in Tucson shows what a lender will ask. Tucson place by place: Pima County, AZ records 47 loans.
SBA prints these yearly approvals for Tucson: FY2018: 5 loans, $7.1 million, FY2019: 5 loans, $2.8 million, FY2023: 7 loans, $3.0 million, FY2025: 10 loans, $5.2 million and FY2026: 6 loans, $4.8 million. FY2017, FY2020 through FY2022 and FY2024 stay blank for Tucson on thin counts, so Tucson's blanks are not quiet years. Tucson's cancellation floor is not shown. Thin Tucson cohorts leave no floor to print. For Tucson, no charge-off floor is printed. Tucson's thin cohort stays unpublished. Counts for Tucson use the July 2023 delineation, where Tucson loans are placed by county, so Tucson drops loans with unmatched counties.
Tucson: testing a quick service restaurant project
From this quick service restaurant record in Tucson, AZ, a study moves to a single parcel. Tucson reviewers will check coverage with higher labor cost. In Tucson, underwriters will ask the study to address pad site rent and ground lease terms. In Tucson, the study must show the building apart from the brand. Tucson lenders need the study to show sales against the franchisor's stated economics. The Tucson file should document competing concepts on the same corridor. For Tucson: demand, cost, coverage, value. No Tucson approval is promised here.
SBA limited-service restaurant loans in the Tucson, AZ Metro Area
| Loans approved, FY2017 to FY2026 | 47 |
|---|---|
| Gross dollars approved | $30.3 million |
| Median loan | $391,700 |
| Middle half of loans, from | $261,250 |
| Middle half of loans, to | $784,250 |
| SBA 7(a) loans | 39 |
| SBA 504 loans | 8 |
| Franchise share of loans | 66.0% |
| Rank among metro and micro areas for limited-service restaurant loans | 75 of 779 |
| Rank of limited-service restaurant among the classes in this area | 1 of 39 |
| Location quotient (share of loans against the national share) | 0.99x |
| Median loan against the national median for the class | 1.26x |
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 Tucson, AZ Metro Area, by fiscal year
| Fiscal year | Loans | Dollars |
|---|---|---|
| FY2017 | withheld | withheld |
| FY2018 | 5 | $7.1 million |
| FY2019 | 5 | $2.8 million |
| FY2020 | withheld | withheld |
| FY2021 | withheld | withheld |
| FY2022 | withheld | withheld |
| FY2023 | 7 | $3.0 million |
| FY2024 | withheld | withheld |
| FY2025 | 10 | $5.2 million |
| FY2026 | 6 | $4.8 million |
Most active SBA lenders
| Lender | Loans | Dollars |
|---|---|---|
| Live Oak Banking Company | 6 | $4.0 million |
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 |
|---|---|
| Pima County, AZ | 47 |
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-46060-C35.
Related feasibility study pages
- Limited-service restaurant feasibility study consultant
- Feasibility Study Data for the Tucson, AZ Metro Area
- Quick Service Restaurant Feasibility Study in Arizona
- Arizona feasibility studies for SBA and USDA loans
- Feasibility Study Data by Metro Area
- SBA feasibility study consultant
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