Restaurant Feasibility Study in the Huntsville, AL Metro Area
What SBA's own loan files show about full-service restaurant lending in the Huntsville, AL Metro Area, and what a feasibility study for a project there has to test.
Full-service restaurant loans in Huntsville at a glance
Huntsville reports FY2017 to FY2026 approvals: 32 full-service restaurant loans, $14.9 million gross. Huntsville, on full-service restaurant loans, holds place 145 of 821 among areas. Inside Huntsville, full-service restaurant places 1 of 39. Huntsville has a quotient of 1.24x, full-service restaurant above the national share.
Huntsville loan sizes and mix
Huntsville shows half its loans at or under $355,000, with the middle half spanning $167,100 up to $654,875. Huntsville loans sit at 1.29x of the national class median. In Huntsville, borrowers draw bigger loans than nationally. Huntsville shows no 7(a) count. Huntsville shows no 504 count either. Huntsville: too few loans back either count. Huntsville loans show a 15.6% franchise share. Huntsville loans run bigger. In Huntsville, a study must prove the payment.
Huntsville loan holders and counties
The Huntsville holder tables list no lender. Full-service restaurant loans in Huntsville sit with small holders, none listed. Huntsville borrowers open with the study itself. Huntsville, county by county: , and undefined.
Huntsville floors, limits and yearly record
Huntsville years print only in part. FY2020 brings Huntsville 0 loans, $0. FY2024 brings Huntsville 5 loans, $3.0 million. Other Huntsville years are withheld. Thin counts leave Huntsville totals unknown. In Huntsville, no blank is a zero, and Huntsville treats FY2026 as complete. Floors in Huntsville follow Loan Analytics' own rule. The Huntsville cohort holds fewer than 30 loans. Huntsville disbursements cover FY2017 to FY2021. No Huntsville cancellation floor prints. No Huntsville charge-off floor prints either. Huntsville blanks are no zero. Huntsville blanks are no clean book. Each Huntsville rate is a floor. Huntsville follows July 2023 boundaries. Huntsville places loans by project county. Huntsville drops loans lacking a placeable county.
Huntsville: what a study must prove
Huntsville treats $167,100 to $654,875 as the range to explain in Huntsville. Menu cost against price points is a Huntsville question: the study tests what each plate must earn after food and labor. A Huntsville study should check parking, visibility and walk-in traffic at the proposed address, since a restaurant lives on its location. We would test how long a new Huntsville restaurant takes to reach steady sales, and what the loan payment is while it gets there. Daniel Smith, MAI, signs every Huntsville full-service restaurant study. For Huntsville, demand and cost are tested. In Huntsville, coverage and value are tested. Huntsville borrowers are promised no approval here.
SBA full-service restaurant loans in the Huntsville, AL Metro Area
| Loans approved, FY2017 to FY2026 | 32 |
|---|---|
| Gross dollars approved | $14.9 million |
| Median loan | $355,000 |
| Middle half of loans, from | $167,100 |
| Middle half of loans, to | $654,875 |
| SBA 7(a) loans | withheld |
| SBA 504 loans | withheld |
| Franchise share of loans | 15.6% |
| Rank among metro and micro areas for full-service restaurant loans | 145 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) | 1.24x |
| Median loan against the national median for the class | 1.29x |
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 Huntsville, AL Metro Area, by fiscal year
| Fiscal year | Loans | Dollars |
|---|---|---|
| FY2017 | withheld | withheld |
| FY2018 | withheld | withheld |
| FY2019 | withheld | withheld |
| FY2020 | 0 | $0 |
| FY2021 | withheld | withheld |
| FY2022 | withheld | withheld |
| FY2023 | withheld | withheld |
| FY2024 | 5 | $3.0 million |
| FY2025 | withheld | withheld |
| FY2026 | withheld | withheld |
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-26620-C34.
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Loan Analytics prepares the feasibility study a lender reads before it commits: for a full-service restaurant project in the Huntsville, AL 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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