Restaurant Feasibility Study in the Bakersfield-Delano, CA Metro Area
What SBA's own loan files show about full-service restaurant lending in the Bakersfield-Delano, CA Metro Area, and what a feasibility study for a project there has to test.
How Bakersfield-Delano ranks for restaurant
With 44 SBA approvals worth $27.8 million between FY2017 and FY2026, Bakersfield-Delano, CA stands 110 of 821 among metro and micro areas. Bakersfield-Delano's restaurant share of loans is 0.75x of the national share: Bakersfield-Delano weights the class lightly. Inside Bakersfield-Delano, the class ranks 4 of 39, a major line locally. All of Bakersfield-Delano's loans sit in CA.
In Bakersfield-Delano, the median loan is $438,500, while the central half spans $225,375 to $798,975. The local median is 1.59x the national class median, so Bakersfield-Delano tickets run bigger. 37 loans run through SBA 7(a) and 7 run through SBA 504, a lender focus. With 504 in Bakersfield-Delano, the collateral is fixed assets. Bakersfield-Delano's franchise share of loans stands at 25.0%, a brand signal. Bakersfield-Delano borrowers can read that as context.
Bakersfield-Delano: who holds the loans, and where
The 7(a) side for Bakersfield-Delano lists no one, since none clears the bar to be named. No 504 holder is listed for Bakersfield-Delano. Each Bakersfield-Delano row is an SBA record. The Bakersfield-Delano lenders named hold or held them. Bakersfield-Delano figures show files, not conduct. Bakersfield-Delano rows state no lender requirement. Bakersfield-Delano place by place: Kern County, CA holds 44 loans.
The yearly record for Bakersfield-Delano lists FY2017 (5 loans, $1.3 million), FY2018 (5 loans, $1.8 million), FY2019 (5 loans, $3.1 million), FY2022 (5 loans, $2.4 million) and FY2024 (5 loans, $5.6 million). FY2020, FY2021, FY2023, FY2025 and FY2026 are withheld for Bakersfield-Delano because few loans back them, and Bakersfield-Delano blanks say nothing about activity. The Bakersfield-Delano cancellation floor is withheld. Too few Bakersfield-Delano approvals exist to print one. For Bakersfield-Delano, no charge-off floor is printed. Bakersfield-Delano's thin cohort stays unpublished. Counts for Bakersfield-Delano use the 2023 federal list, so each Bakersfield-Delano loan is placed by county, so Bakersfield-Delano drops loans with unmatched counties.
A restaurant study for Bakersfield-Delano: the tests
Bakersfield-Delano, CA: restaurant lending is a backdrop, not a forecast. For Bakersfield-Delano, the study should address whether liquor sales are in the plan. A Bakersfield-Delano study begins by testing the lease term against the loan term. Each Bakersfield-Delano study must establish kitchen and hood build-out expense. Lenders in Bakersfield-Delano will look for parking, visibility and walk-by traffic. In Bakersfield-Delano, a study has to test real estate value apart from earnings. Bakersfield-Delano tests demand, cost, coverage and value. No Bakersfield-Delano approval is promised here.
SBA full-service restaurant loans in the Bakersfield-Delano, CA Metro Area
| Loans approved, FY2017 to FY2026 | 44 |
|---|---|
| Gross dollars approved | $27.8 million |
| Median loan | $438,500 |
| Middle half of loans, from | $225,375 |
| Middle half of loans, to | $798,975 |
| SBA 7(a) loans | 37 |
| SBA 504 loans | 7 |
| Franchise share of loans | 25.0% |
| Rank among metro and micro areas for full-service restaurant loans | 110 of 821 |
| Rank of full-service restaurant among the classes in this area | 4 of 39 |
| Location quotient (share of loans against the national share) | 0.75x |
| Median loan against the national median for the class | 1.59x |
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 full-service restaurant loans approved in the Bakersfield-Delano, CA Metro Area, by fiscal year
| Fiscal year | Loans | Dollars |
|---|---|---|
| FY2017 | 5 | $1.3 million |
| FY2018 | 5 | $1.8 million |
| FY2019 | 5 | $3.1 million |
| FY2020 | withheld | withheld |
| FY2021 | withheld | withheld |
| FY2022 | 5 | $2.4 million |
| FY2023 | withheld | withheld |
| FY2024 | 5 | $5.6 million |
| FY2025 | withheld | withheld |
| FY2026 | withheld | withheld |
Where the loans are, by county
| County | Loans |
|---|---|
| Kern County, CA | 44 |
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-12540-C34.
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