Restaurant Feasibility Study in the Baton Rouge, LA Metro Area

What SBA's own loan files show about full-service restaurant lending in the Baton Rouge, LA Metro Area, and what a feasibility study for a project there has to test.

Baton Rouge restaurants borrow modestly more than the national class does: a $362,500 median amounts to 1.32x what the class borrows nationally, with the central band spanning $150,000 to $667,600. FY2017 to FY2026 produced 40 approvals worth $25.5 million. Full-service restaurants head the area's class list, the area stands at 119 of 821, and a quotient of 0.83x puts local weight under the national share.

East Baton Rouge Parish and the franchise share

East Baton Rouge Parish, LA supplies 29 loans, so most of the record is one parish. Franchise units are 17.5% of loans. One lender clears the display threshold, with 6 loans and $2.6 million, and the program split is hidden. A reader seeking the lender's name should consult the table on this page, which prints it exactly as SBA gives it.

Hidden years and a printed zero

FY2020 shows 5 loans and $969,500, FY2022 5 loans and $1.3 million and FY2024 5 loans and $3.1 million. FY2023 is printed as 0 loans and $0, a true tally of no approvals. The remaining rows, FY2017 to FY2019, FY2021, FY2025 and FY2026, are masked. No cancellation rate is reported for want of 30 loans in the cohort, and no charge-off rate is shown; neither is a zero.

Testing a Baton Rouge restaurant

Start with the trade area: households, daytime workers, university students and the rival seats along the corridors the project would draw from. Hurricane exposure and flood zones affect insurance cost and rebuilding risk, so the study should check them for the site. Kitchen equipment, fit-out and opening cash belong against the $362,500 median. Wages feed straight into the cash model; let it open slowly and then test one poor sales month. Business value and property value should be appraised separately. A lender will weigh the operator's history, because the page offers no loss floor and no program split. Parish placement follows the July 2023 delineation. Because the hidden rows leave a thin record, the study should lean on local evidence: permits, lease comparables, health-department inspection history for nearby sites and the sponsor's own prior results, and it should present those clearly alongside the SBA figures.

SBA full-service restaurant loans in the Baton Rouge, LA Metro Area

Loans approved, FY2017 to FY202640
Gross dollars approved$25.5 million
Median loan$362,500
Middle half of loans, from$150,000
Middle half of loans, to$667,600
SBA 7(a) loanswithheld
SBA 504 loanswithheld
Franchise share of loans17.5%
Rank among metro and micro areas for full-service restaurant loans119 of 821
Rank of full-service restaurant among the classes in this area1 of 39
Location quotient (share of loans against the national share)0.83x
Median loan against the national median for the class1.32x

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 Baton Rouge, LA Metro Area, by fiscal year

012345FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025FY2026Loans, FY2020: 5Loans, FY2022: 5Loans, FY2023: 0Loans, FY2024: 5
Fiscal yearLoansDollars
FY2017withheldwithheld
FY2018withheldwithheld
FY2019withheldwithheld
FY20205$969,500
FY2021withheldwithheld
FY20225$1.3 million
FY20230$0
FY20245$3.1 million
FY2025withheldwithheld
FY2026withheldwithheld

Most active SBA lenders

SBA 7(a): lenders by loans approved (the current holder of each loan, as SBA reports it)
LenderLoansDollars
b1BANK6$2.6 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

CountyLoans
East Baton Rouge Parish, LA29

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-12940-C34.

Loan Analytics prepares the feasibility study a lender reads before it commits: for a full-service restaurant project in the Baton Rouge, LA 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.

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