Restaurant Feasibility Study in the Naples-Marco Island, FL Metro Area
What SBA's own loan files show about full-service restaurant lending in the Naples-Marco Island, FL Metro Area, and what a feasibility study for a project there has to test.
Naples: restaurants first, with large tickets
For full-service restaurant loans, Naples and Marco Island stands 108 of 821 among areas, while within the area full-service restaurant is first, 1 of 39. The quotient for location, 1.10x, places restaurants first among local classes at close to the national weight. The files hold 45 loans for $34.1 million, all in Collier County. A $512,400 median loan in Naples and Marco Island compares at 1.86x with the national restaurant median, while $150,000 to $1.0 million holds the typical restaurant loan.
Franchise ties appear on 13.3% of the loans. For 7(a) paper, the table shows $4.5 million from 8 loans held by Fifth Third Bank and then $5.8 million from 9 loans held by The Huntington National Bank. The lender rows show the holder on record at SBA and say nothing of Fifth Third Bank's requirements. Loan Analytics withholds the 7(a) and 504 counts because so few loans exist; a blank is not zero.
Loan Analytics withholds the cancelled-after-approval rate and the charge-off percentage because so few loans exist; a blank is not zero. The printed years show 5 approvals for $2.0 million in FY2017, 5 for $4.7 million in FY2022, 7 for $4.8 million in FY2023 and 6 for $3.0 million in FY2024. Loan Analytics withholds the other years.
Two banks account for the named holders; a borrower should treat that as a fact about who holds loans today, not a rule about who will lend.
What a Naples dining study tests
A study should test seasonal demand against year-round demand, rent at prime addresses, kitchen and finish costs, and a payment that holds through the quiet months. At a $512,400 median, the study should price kitchen equipment, finishes and a liquor license separately from the lease, and should show the lease, the permits and the seating plan before relying on projected sales. A restaurant loan is placed in Naples and Marco Island when its project county sits inside the July 2023 boundaries. Unplaceable counties drop out. These records are background for a restaurant study at a Naples and Marco Island site; approval is never promised.
SBA full-service restaurant loans in the Naples-Marco Island, FL Metro Area
| Loans approved, FY2017 to FY2026 | 45 |
|---|---|
| Gross dollars approved | $34.1 million |
| Median loan | $512,400 |
| Middle half of loans, from | $150,000 |
| Middle half of loans, to | $1.0 million |
| SBA 7(a) loans | withheld |
| SBA 504 loans | withheld |
| Franchise share of loans | 13.3% |
| Rank among metro and micro areas for full-service restaurant loans | 108 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) | 1.10x |
| Median loan against the national median for the class | 1.86x |
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 Naples-Marco Island, FL Metro Area, by fiscal year
| Fiscal year | Loans | Dollars |
|---|---|---|
| FY2017 | 5 | $2.0 million |
| FY2018 | withheld | withheld |
| FY2019 | withheld | withheld |
| FY2020 | withheld | withheld |
| FY2021 | withheld | withheld |
| FY2022 | 5 | $4.7 million |
| FY2023 | 7 | $4.8 million |
| FY2024 | 6 | $3.0 million |
| FY2025 | withheld | withheld |
| FY2026 | withheld | withheld |
Most active SBA lenders
| Lender | Loans | Dollars |
|---|---|---|
| The Huntington National Bank | 9 | $5.8 million |
| Fifth Third Bank | 8 | $4.5 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 |
|---|---|
| Collier County, FL | 45 |
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-34940-C34.
Related feasibility study pages
- Full-service restaurant feasibility study company
- Feasibility Study Data for the Naples-Marco Island, FL Metro Area
- Restaurant Feasibility Study in Florida
- Florida feasibility studies for SBA and USDA loans
- Feasibility Study Data by Metro Area
- Feasibility studies for SBA 7(a) and 504 loans
- Restaurant Feasibility Study in the New York-Newark-Jersey City, NY-NJ Metro Area
- Restaurant Feasibility Study in the Los Angeles-Long Beach-Anaheim, CA Metro Area
- Restaurant Feasibility Study in the Chicago-Naperville-Elgin, IL-IN Metro Area
- Restaurant Feasibility Study in the Dallas-Fort Worth-Arlington, TX Metro Area
- Restaurant Feasibility Study in the Boston-Cambridge-Newton, MA-NH Metro Area
- Restaurant Feasibility Study in the Atlanta-Sandy Springs-Roswell, GA Metro Area
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