Restaurant Feasibility Study in the Kansas City, MO-KS Metro Area
What SBA's own loan files show about full-service restaurant lending in the Kansas City, MO-KS Metro Area, and what a feasibility study for a project there has to test.
A two-state restaurant market
Kansas City straddles Missouri and Kansas, and the record shows it: Jackson County, MO leads with 66 loans, Johnson County, KS follows with 45, then Clay County, MO with 13, Wyandotte County, KS and Cass County, MO with 8 each and Platte County, MO with 7. The cell holds 156 full-service restaurant approvals worth $79.5 million over the FY2017 to FY2026 span. On the national list the area stands 42 of 821, and restaurants lead the local table, 1 of 39. A location quotient of 0.75x says the class is a lighter slice of local lending than of the national mix.
The median is $281,200, 1.02x of what the nation shows for the class, and the quartile edges sit at $139,250 and $666,700. SBA 7(a) carried 139 loans and SBA 504 carried 17. Franchised units are 17.9%. Kansas and Missouri are separate jurisdictions, which a study must reflect in costs.
Lenders
Small Business Bank heads SBA 7(a) with 15 loans and $3.8 million. UMB Bank, National Association has 9 loans and $5.4 million, CommunityAmerica Federal Credit Union 8 and $4.5 million, First National Bank of Omaha 7 and U.S. Bank, National Association 7 with $693,600. For SBA 504, Rural Missouri, Inc. holds 6 loans and $4.4 million and Heartland Business Capital, Inc. 5 and $4.8 million. The rows are holder records from SBA, and they pass no judgment on any lender.
Cancellation of FY2017 to FY2024 approvals is 13.7% at the floor and 13.7% at the ceiling. Loan Analytics withholds Kansas City's charge-off rate; no number is printed, and the blank is not nil. Approvals rose from 11 loans and $2.7 million in FY2017 to 21 loans in FY2024 and $14.6 million in FY2025, and stood at 15 loans and $9.4 million in FY2026. Project counties and the 2023 delineation decide which loans count for Kansas City.
Testing a Kansas City restaurant
A study has to separate dining demand in Jackson County from that in Johnson County, tally rival concepts, and test build-out costs against $281,200. Per-seat sales and prime cost have to cover the debt, with the leasehold or property appraised on top. The 156 approvals never promise a yes.
SBA full-service restaurant loans in the Kansas City, MO-KS Metro Area
| Loans approved, FY2017 to FY2026 | 156 |
|---|---|
| Gross dollars approved | $79.5 million |
| Median loan | $281,200 |
| Middle half of loans, from | $139,250 |
| Middle half of loans, to | $666,700 |
| SBA 7(a) loans | 139 |
| SBA 504 loans | 17 |
| Franchise share of loans | 17.9% |
| Rank among metro and micro areas for full-service restaurant loans | 42 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) | 0.75x |
| Median loan against the national median for the class | 1.02x |
Cancellation and charge-off
| Cancelled after approval, FY2017 to FY2024 approvals (a floor) | 13.7% |
|---|---|
| The same, counting loans still undisbursed as cancelled (a ceiling) | 13.7% |
| 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 Kansas City, MO-KS Metro Area, by fiscal year
| Fiscal year | Loans | Dollars |
|---|---|---|
| FY2017 | 11 | $2.7 million |
| FY2018 | 7 | $6.0 million |
| FY2019 | 20 | $8.3 million |
| FY2020 | 16 | $6.3 million |
| FY2021 | 15 | $7.0 million |
| FY2022 | 15 | $7.2 million |
| FY2023 | 19 | $9.4 million |
| FY2024 | 21 | $8.5 million |
| FY2025 | 17 | $14.6 million |
| FY2026 | 15 | $9.4 million |
Most active SBA lenders
| Lender | Loans | Dollars |
|---|---|---|
| Rural Missouri, Inc. | 6 | $4.4 million |
| Heartland Business Capital, Inc. | 5 | $4.8 million |
| Lender | Loans | Dollars |
|---|---|---|
| Small Business Bank | 15 | $3.8 million |
| UMB Bank, National Association | 9 | $5.4 million |
| CommunityAmerica Federal Credit Union | 8 | $4.5 million |
| First National Bank of Omaha | 7 | $1.2 million |
| U.S. Bank, National Association | 7 | $693,600 |
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 |
|---|---|
| Jackson County, MO | 66 |
| Johnson County, KS | 45 |
| Clay County, MO | 13 |
| Wyandotte County, KS | 8 |
| Cass County, MO | 8 |
| Platte County, MO | 7 |
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-28140-C34.
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