Restaurant Feasibility Study in the San Antonio-New Braunfels, TX Metro Area
What SBA's own loan files show about full-service restaurant lending in the San Antonio-New Braunfels, TX Metro Area, and what a feasibility study for a project there has to test.
131 full-service restaurant loans in San Antonio
SBA approved 131 full-service restaurant loans in the San Antonio-New Braunfels area over FY2017 to FY2026, for $100.1 million in all. Loan sizes center near $500,000, and half of them land between $150,000 and $1.0 million. Against the class nationally, San Antonio-New Braunfels's median is 1.82x of the national median, above it.
Rank 45 of 821: mix and counties in San Antonio
7(a) is the larger program here: 116 loans in 7(a), 15 in 504. 504 is the fixed-asset program, and the 15 loans under it are the property-backed side of the cell. Franchise loans are 22.9% of the San Antonio-New Braunfels file. Position in the national table: 45 of 821. Place among San Antonio classes: 1 of 39. The San Antonio, TX quotient is 0.75x, meaning the class lighter in San Antonio-New Braunfels than nationally. By county, Bexar County, TX leads with 104 loans, then Comal County, TX with 12 and Guadalupe County, TX with 9.
Floors and holders for full-service restaurant in San Antonio, TX
By year, FY2025 tops the series with 20 loans and $24.0 million, while FY2020 trails with 7 and $5.2 million. San Antonio-New Braunfels 7(a) holders, ranked by loans: Wallis Bank with 6 loans for $9.4 million; Frost Bank with 6 loans for $2.7 million; PNC Bank, National Association with 6 loans for $400,000. Treat Wallis Bank's $9.4 million as a ledger of holdings across San Antonio, TX, not a profile of Wallis Bank's practice. SBA 504 loans in San Antonio are listed to LiftFund, Inc. (5 loans, $4.9 million). The floor under cancellations in San Antonio, TX is 11.6%, the ceiling 11.6%, for the FY2017 to FY2024 approvals. No charge-off floor prints for full-service restaurant in San Antonio, where 131 loans leave the cohort sparse, and the gap is not zero losses.
Testing a full-service restaurant project in San Antonio, TX
Demand comes first: in San Antonio, full-service restaurant sales hinge on household dining spend, how often a table turns and lunch and dinner traffic, and no count of 131 loans settles those. Then San Antonio-New Braunfels costs: opening inventory, occupancy and kitchen and bar equipment, each checked for San Antonio and compared with the $500,000 median loan. Run San Antonio earnings against a $150,000 loan and against a $1.0 million loan to see where coverage gives way. The appraisal is the final test, and the lease, the operating business and the kitchen equipment each need support in it. These 131 loans give a study background, yet whether any project here is approved depends on that project and on the lender who reviews it.
Limits behind 131 San Antonio loans
San Antonio-New Braunfels gets its 131 loans through each project's county. County names, Bexar County, TX among them, are paired to San Antonio, TX using the July 2023 delineation. Rates in San Antonio name their own cohort years around San Antonio-New Braunfels, so cancellation and charge-off cover different spans.
SBA full-service restaurant loans in the San Antonio-New Braunfels, TX Metro Area
| Loans approved, FY2017 to FY2026 | 131 |
|---|---|
| Gross dollars approved | $100.1 million |
| Median loan | $500,000 |
| Middle half of loans, from | $150,000 |
| Middle half of loans, to | $1.0 million |
| SBA 7(a) loans | 116 |
| SBA 504 loans | 15 |
| Franchise share of loans | 22.9% |
| Rank among metro and micro areas for full-service restaurant loans | 45 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 | 1.82x |
Cancellation and charge-off
| Cancelled after approval, FY2017 to FY2024 approvals (a floor) | 11.6% |
|---|---|
| The same, counting loans still undisbursed as cancelled (a ceiling) | 11.6% |
| 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 San Antonio-New Braunfels, TX Metro Area, by fiscal year
| Fiscal year | Loans | Dollars |
|---|---|---|
| FY2017 | 13 | $6.6 million |
| FY2018 | 13 | $6.8 million |
| FY2019 | 17 | $9.7 million |
| FY2020 | 7 | $5.2 million |
| FY2021 | 8 | $7.3 million |
| FY2022 | 11 | $6.3 million |
| FY2023 | 14 | $8.3 million |
| FY2024 | 12 | $8.1 million |
| FY2025 | 20 | $24.0 million |
| FY2026 | 16 | $17.8 million |
Most active SBA lenders
| Lender | Loans | Dollars |
|---|---|---|
| LiftFund, Inc. | 5 | $4.9 million |
| Lender | Loans | Dollars |
|---|---|---|
| Wallis Bank | 6 | $9.4 million |
| Frost Bank | 6 | $2.7 million |
| PNC Bank, National Association | 6 | $400,000 |
| First United Bank and Trust Company | 5 | $2.4 million |
| Newtek Bank, National Association | 5 | $1.4 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 |
|---|---|
| Bexar County, TX | 104 |
| Comal County, TX | 12 |
| Guadalupe County, TX | 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-41700-C34.
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