Restaurant Feasibility Study in the Davenport-Moline-Rock Island, IA-IL Metro Area
What SBA's own loan files show about full-service restaurant lending in the Davenport-Moline-Rock Island, IA-IL Metro Area, and what a feasibility study for a project there has to test.
Full-service restaurants across the Mississippi in Davenport-Moline-Rock Island
Full-service restaurants are the first-ranked of 39 classes in Davenport-Moline-Rock Island, IA-IL, with 28 loans for $8.3 million between FY2017 and FY2026. The $190,050 median is 0.69x the national restaurant figure, and the central half runs from $124,425 to $423,750, a tight, small-ticket band. The metro ranks 158 of 821 by area, and a location quotient of 1.45x puts restaurants above their national weight.
Two states, two counties, one named holder
Scott County, IA has 14 of the loans and Rock Island County, IL has 9, so lending is split across the state line. Newtek Bank, National Association holds 6 loans worth $1.3 million under 7(a), per SBA's reporting of current holders; this is a holding record only, with no view of the bank's practices. Franchise share and the program split are not printed because the counts are thin, and no year prints. Scott County and Rock Island County together hold most of the 28 loans.
Why outcome rates are missing
A rate for cancellation or charge-off needs a cohort of 30 loans disbursed in FY2017 to FY2021, according to Loan Analytics' own rule, and this metro's cohort is smaller. Nothing about the absence is a verdict on the restaurants. The record is therefore best read as a local picture of 28 loans, with the area rank and quotient as its main comparators.
What a Quad Cities restaurant study has to test
At a $190,050 median and a band that tops out at $423,750, the study should list exactly what the loan will buy. It must then test covers per day and a believable opening ramp, the check average, payroll, and what the space costs, and show debt service coverage that holds in a soft first year. As restaurants already lead the class ranking locally, the study should show how the new unit differs from the units already open. A loan near the upper edge must explain its larger scale. Because the metro spans two states, the study should note which state's licensing and tax rules apply to the site, and loans are matched to the metro by project county.
SBA full-service restaurant loans in the Davenport-Moline-Rock Island, IA-IL Metro Area
| Loans approved, FY2017 to FY2026 | 28 |
|---|---|
| Gross dollars approved | $8.3 million |
| Median loan | $190,050 |
| Middle half of loans, from | $124,425 |
| Middle half of loans, to | $423,750 |
| 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 | 158 of 821 |
| Rank of full-service restaurant among the classes in this area | 1 of 39 |
| Location quotient (share of loans against the national share) | 1.45x |
| Median loan against the national median for the class | 0.69x |
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.
Approvals by fiscal year are withheld for this area, so that no year of fewer than 5 loans can be derived.
Most active SBA lenders
| Lender | Loans | Dollars |
|---|---|---|
| Newtek Bank, National Association | 6 | $1.3 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 |
|---|---|
| Scott County, IA | 14 |
| Rock Island County, IL | 9 |
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-19340-C34.
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