Full-service restaurant loans in Branson

Sit-down restaurants take a heavy share of Branson lending, with a location quotient of 2.13x, and all 26 loans in the cell sit in one county, Taney County, MO. $12.5 million was approved on 26 Branson, MO loans for full-service restaurants between FY2017 and FY2026. At home in Branson the class sits 2 of 39, while the area is 170 of 821 on the national list. The Branson location quotient of 2.13x puts full-service restaurants above their national share of lending. Branson loan size runs low: $241,850 at the median, 0.88x the national median for full-service restaurants.

Half of all Branson loans fall inside a band from $122,000 up to $661,000. A request well above $661,000 would be among the biggest in Branson. Loan Analytics withholds the program split for Branson, MO; no 7(a) or 504 count shows. Loan Analytics withholds the franchise share for Branson full-service restaurants. The Branson median stands at $241,850. Ordinary requests fall in $122,000 to $661,000. Name the brand path early. Nothing printed here settles program fit.

Holders, places and years in Branson

Under SBA 7(a), SBA lists Branson Bank with 9 loans worth $2.0 million as current holders. The table lists holders as of today. Nothing in it describes anyone's standards. The county table lists Taney County, MO (26 loans). Volume prints for FY2019, 7 loans at $4.6 million. Every other year is held back. Each rests on very few loans. No gap says that nothing was approved. The printed years show no trend. The record helps frame a Branson request. Local evidence completes the picture.

Underwriting a full-service restaurant in Branson

Charge-off and cancellation rates: none for Branson. The cohort is under Loan Analytics' floor. The page has no loss measures. Each area is a 2023 federal grouping. Loans are placed by project county. The match uses county names. A loan with no match stays out. The Branson total is 26 loans and $12.5 million. Every project is judged on its facts. The feasibility work for a full-service restaurant here must examine the guest base in the trade area; covers per day at the seat count; break-even covers with debt added; parking and visibility at the site; kitchen and floor staffing cost; equipment and furnishing cost against the $241,850 median; sales that cover prime costs and debt; and the value set beside the request. Past loans do not promise a full-service restaurant approval. Each case turns on its own facts.

SBA full-service restaurant loans in the Branson, MO Micro Area

Loans approved, FY2017 to FY2026	26
Gross dollars approved	$12.5 million
Median loan	$241,850
Middle half of loans, from	$122,000
Middle half of loans, to	$661,000
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	170 of 821
Rank of full-service restaurant among the classes in this area	2 of 39
Location quotient (share of loans against the national share)	2.13x
Median loan against the national median for the class	0.88x

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 Branson, MO Micro Area, by fiscal year

Fiscal year	Loans	Dollars
FY2017	withheld	withheld
FY2018	withheld	withheld
FY2019	7	$4.6 million
FY2020	withheld	withheld
FY2021	withheld	withheld
FY2022	withheld	withheld
FY2023	withheld	withheld
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
Branson Bank	9	$2.0 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
Taney County, MO	26

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-14700-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 Branson, MO Micro 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 Branson, MO Micro Area