Full-service restaurant in Albuquerque: the loan record

Albuquerque gets 37 loans approved for full-service restaurant, $20.4 million gross, from FY2017 to FY2026. Albuquerque, on full-service restaurant loans, holds place 127 of 821 among areas. Inside Albuquerque, full-service restaurant places 3 of 39. Albuquerque has a quotient of 0.57x, full-service restaurant below the national share.

Albuquerque loan sizes and mix

The median Albuquerque loan is $180,000; $50,000 to $1.0 million holds the middle half. Albuquerque loans sit at 0.65x of the national class median. In Albuquerque, borrowers draw smaller loans than nationally. Albuquerque shows no 7(a) count. Albuquerque shows no 504 count either. Albuquerque: too few loans back either count. Albuquerque prints no franchise share. Too few Albuquerque loans support one. Albuquerque shows a smaller median. Albuquerque projects were modest in scale. In Albuquerque, budget comparisons should note it.

Albuquerque holders and counties

Albuquerque SBA 7(a) holder: 5 loans, $120,000, PNC Bank, National Association. Albuquerque names here hold or held loans. In Albuquerque, SBA rows say nothing of requirements. Albuquerque borrowers read the list as holders. Albuquerque full-service restaurant lenders get first tests. In Albuquerque, by county, the loans are 31 in Bernalillo County, NM and 6 in Sandoval County, NM.

Albuquerque floors, limits and yearly record

Albuquerque prints only these fiscal years. In FY2017, Albuquerque had 7 loans worth $2.0 million. In FY2019, Albuquerque had 5 loans worth $2.5 million. In FY2023, Albuquerque had 0 loans worth $0. Other Albuquerque years are withheld. Thin counts leave Albuquerque totals unknown. In Albuquerque, no blank is a zero, and Albuquerque treats FY2026 as complete. Floors in Albuquerque follow Loan Analytics' own rule. The Albuquerque cohort holds fewer than 30 loans. Albuquerque disbursements cover FY2017 to FY2021. No Albuquerque cancellation floor prints. No Albuquerque charge-off floor prints either. Albuquerque blanks are no zero. Albuquerque blanks are no clean book. Each Albuquerque rate is a floor. Albuquerque follows July 2023 boundaries. Albuquerque places loans by project county. Albuquerque drops loans lacking a placeable county.

Albuquerque: testing a full-service restaurant project

Albuquerque modelling starts from the $180,000 median, against the project in Albuquerque. In Albuquerque, a full-service restaurant study would count seats against the covers a trade area can supply, then test the average check the concept needs. An Albuquerque lender will ask whether sales at the projected check average carry rent, wages and food cost and still leave room for debt service. We would test the lease for Albuquerque site by site, since occupancy cost decides how much of each sales dollar can ever reach a loan payment. Daniel Smith, MAI, signs every Albuquerque full-service restaurant study. For Albuquerque, demand and cost are tested. In Albuquerque, coverage and value are tested. Albuquerque borrowers are promised no approval here.

SBA full-service restaurant loans in the Albuquerque, NM Metro Area

Loans approved, FY2017 to FY2026	37
Gross dollars approved	$20.4 million
Median loan	$180,000
Middle half of loans, from	$50,000
Middle half of loans, to	$1.0 million
SBA 7(a) loans	withheld
SBA 504 loans	withheld
Franchise share of loans	withheld
Rank among metro and micro areas for full-service restaurant loans	127 of 821
Rank of full-service restaurant among the classes in this area	3 of 39
Location quotient (share of loans against the national share)	0.57x
Median loan against the national median for the class	0.65x

Cancellation and charge-off

Cancelled after approval, FY2017 to FY2024 approvals (a floor)	not reported: fewer than 30 loans in the cohort
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 full-service restaurant loans approved in the Albuquerque, NM Metro Area, by fiscal year

Fiscal year	Loans	Dollars
FY2017	7	$2.0 million
FY2018	withheld	withheld
FY2019	5	$2.5 million
FY2020	withheld	withheld
FY2021	withheld	withheld
FY2022	withheld	withheld
FY2023	0	$0
FY2024	withheld	withheld
FY2025	withheld	withheld
FY2026	withheld	withheld

Most active SBA lenders

SBA 7(a): lenders by loans approved (the current holder of each loan, as SBA reports it)
Lender	Loans	Dollars
PNC Bank, National Association	5	$120,000

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
Bernalillo County, NM	31
Sandoval County, NM	6

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-10740-C34.

Related feasibility study pages

Loan Analytics prepares the feasibility study a lender reads before it commits: for a full-service restaurant project in the Albuquerque, NM 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

Restaurant Feasibility Study in the Albuquerque, NM Metro Area