Rochester: full-service restaurant

Rochester drew 153 full-service restaurant loans worth $24.3 million between FY2017 and FY2026. Rochester places 43 of 821 nationally for the class on 153 loans; in Rochester, the class takes 1 of 39. In Rochester, a quotient of 1.02x makes the class about as common. $65,000 separates Rochester from both parents on size.

$65,000 is typical in Rochester, in a middle half $25,000 to $158,800; against the national median that is 0.24x, well below it. Rochester lending ran 146 through 7(a) against 7 through 504. 5.2% of 153 Rochester loans are franchised.

Rochester's 7(a) table, 40 loans through Manufacturers and Traders Trust Company, $3.6 million; 35 through ESL FCU, $2.5 million; 13 through Genesee Regional Bank, $6.8 million; 13 through KeyBank National Association, $2.1 million; 11 The Canandaigua National Bank and Trust Company, $1.8 million. Rochester: unnamed holders have under 5 loans. 153 loans in Rochester, by county: Monroe County, NY 106; Ontario County, NY 15; Wayne County, NY 15.

Cancellations in Rochester and charge-offs

In Rochester, cancellations took 12.9% or more of Rochester's FY2017 to FY2024 approvals. Rochester: undisbursed-loan ceiling withheld, not zero. 66 FY2017 to FY2021 loans were disbursed; 13.6% or more have been charged off; Rochester five-year measure: withheld, not zero. Rochester floors rise as loans age. Of Rochester's 153 loans, the high year held 25 in FY2018 and the low year 10 in FY2023; FY2026 shows 14 loans and $2.6 million. Yearly loan counts for Rochester: FY2017 23, FY2018 25, FY2019 12, FY2021 12, FY2023 10, FY2024 25, FY2025 23, FY2026 14. Dollars by year: FY2017 $2.2 million, FY2018 $3.2 million, FY2019 $1.7 million, FY2021 $1.9 million, FY2023 $1.3 million, FY2024 $6.2 million, FY2025 $2.1 million, FY2026 $2.6 million. Rochester years left blank are withheld, not zero.

Rochester: testing the project

Rochester: facing slow months, debt service holds with $24.3 million approved. For 153 loans in Rochester, ventilation costs outside $25,000 to $158,800 need cases. For 153 approvals in Rochester, appraisers split concept from building. Rochester approvals ran from 10 in FY2023 to 25 in FY2018; for Rochester, plan for stalled years. Rochester's quotient, 1.02x: count rivals by cuisine. Across 153 loans, evening cover counts in Rochester carries $65,000.

153 loans fall in Rochester by project county. Rochester follows July 2023 delineation by county. Rochester leaves out unplaceable counties. No census here: 153 loans give Rochester a guide only.

SBA full-service restaurant loans in the Rochester, NY Metro Area

Loans approved, FY2017 to FY2026	153
Gross dollars approved	$24.3 million
Median loan	$65,000
Middle half of loans, from	$25,000
Middle half of loans, to	$158,800
SBA 7(a) loans	146
SBA 504 loans	7
Franchise share of loans	5.2%
Rank among metro and micro areas for full-service restaurant loans	43 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)	1.02x
Median loan against the national median for the class	0.24x

Cancellation and charge-off

Cancelled after approval, FY2017 to FY2024 approvals (a floor)	12.9%
The same, counting loans still undisbursed as cancelled (a ceiling)	withheld
Charged off to date, FY2017 to FY2021 disbursed loans (a floor)	13.6%
Charged off within five years of approval	withheld
Loans in that cohort	66

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 Rochester, NY Metro Area, by fiscal year

Fiscal year	Loans	Dollars
FY2017	23	$2.2 million
FY2018	25	$3.2 million
FY2019	12	$1.7 million
FY2020	withheld	withheld
FY2021	12	$1.9 million
FY2022	withheld	withheld
FY2023	10	$1.3 million
FY2024	25	$6.2 million
FY2025	23	$2.1 million
FY2026	14	$2.6 million

Most active SBA lenders

SBA 7(a): lenders by loans approved (the current holder of each loan, as SBA reports it)
Lender	Loans	Dollars
Manufacturers and Traders Trust Company	40	$3.6 million
ESL FCU	35	$2.5 million
Genesee Regional Bank	13	$6.8 million
KeyBank National Association	13	$2.1 million
The Canandaigua National Bank and Trust Company	11	$1.8 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
Monroe County, NY	106
Ontario County, NY	15
Wayne County, NY	15

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-40380-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 Rochester, NY 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.

Daniel Smith, MAI

Restaurant Feasibility Study in the Rochester, NY Metro Area