Quick Service Restaurant Feasibility Study in the Youngstown-Warren, OH Metro Area

Youngstown-Warren: a tiny median in a second-ranked class

Within Youngstown-Warren the class ranks 2 of 39; across all areas, Youngstown-Warren ranks 120 of 779 for limited-service restaurants. Adding FY2017 to FY2026 together gives Youngstown-Warren 29 loans and $7.1 million. The median loan is the arresting number, and the ratios say why. The class carries a location quotient of 0.70x here, and Youngstown-Warren's median of $50,000 equals 0.16x the national median.

From $25,000 to $222,200 is where the middle half of Youngstown-Warren loans fall. Franchise units are 44.8% of the loans. The Huntington National Bank is shown as holder of 19 of the 29 loans, carrying $1.4 million, a large share of the file, though the page does not say why. Mahoning County has 19 of the loans and Trumbull County 10.

One year and the rates

FY2019 is the single printable year: 6 loans, $495,800. Silent years for Youngstown-Warren are thin, not empty. Youngstown prints no cancellation rate, and its charge-off rate rests on a cohort under 30 loans, so that is not given either. 7(a) against 504 for Youngstown-Warren: not printed.

A lender reading this page should also notice the franchise share of 44.8% beside the tiny median: even branded units in this area were financed at small amounts. A borrower proposing a larger build, such as a new freestanding building with a drive-through lane, should expect to explain why its request sits well above $50,000, and should support the number with contractor quotes, equipment lists and a lease or purchase contract.

What a small-ticket counter-service plan has to show

Loans of this scale usually finance equipment and leasehold work, not land and building, so the plan should say what the money pays for. Testing starts with sales per unit against rent, labour and food cost, then shows payments covered in the first year, and sizes the request against the $50,000 median and a middle half that tops out at $222,200. A franchise brand adds royalty and standards, which can push a request above that range. Drive-through access and visibility at the exact site need on-site evidence, because a location quotient of 0.70x gives no basis for assuming the area has room for another unit.