SBA 504 Coffee Shop Feasibility Study in Colorado

What Colorado shows for coffee shop (SBA 504) loans

$19.8 million in gross dollars, spread over 30 loans in the 504 program for coffee shop projects in Colorado, is what SBA backed in Colorado from FY2017 to FY2026. Position: 3 for the Colorado coffee shop (SBA 504) loan count, and 8 of 39 among Colorado's own asset classes. The median coffee shop loan in Colorado is $584,500; against the national median for coffee shop loans under SBA 504, 1.41x is the ratio, which means a typical Colorado coffee shop project borrows more than its national peer. Half of the Colorado approvals sit between $462,750 and $788,750. 76.7% of these Colorado loans went to franchised businesses. Neither the $584,500 median nor any other metric across 30 Colorado coffee shop loans separates itself from both parents, which is why Colorado's institutions, counties and years carry the coffee shop page.

Who lends, where and when in Colorado

By county, Larimer with 7, Weld with 7, Boulder with 5 and Jefferson with 4 lead the coffee shop approvals in Colorado. Timing shows a clear story for coffee shop in Colorado: approvals peaked at 8 loans, worth $4.9 million, in FY2022, while the latest year shown, FY2026, records 0 loans worth $0; the series began in FY2017 at 0.

Colorado: outcomes, read as minimums for coffee shop

No cancellation rate appears for Colorado coffee shop, since the 30 loans give too small a base across FY2017 to FY2024; read that blank for Colorado as withheld, never as zero coffee shop cancellations. Charge-offs get no rate for Colorado coffee shop: among 30 loans, the disbursed group from FY2017 to FY2021 is too thin to support a figure, so for Colorado that figure is held back, and a blank is not a zero for coffee shop. Each Colorado coffee shop rate above is a minimum, as undisbursed coffee shop loans among the 30 may yet change. No quirk in the coding distorts coffee shop totals for Colorado, though SBA files Colorado clients by industry code, and a coffee shop operator among the 30 can fall under a neighbouring Colorado class.

The tests an SBA 504 coffee shop study in Colorado has to pass

Because each of the 30 Colorado approvals is a 504 financing, with a Colorado certified development company alongside a separate senior coffee shop lender, each is built around owned Colorado real estate and long-lived coffee shop equipment, the study must demonstrate that an owned coffee shop project can carry both layers of debt. A Colorado coffee shop feasibility study measures daypart sales against site visibility and nearby cafe supply. Build-out spending against the modest space can be the central test for a Colorado coffee shop. The coverage test needs to run on $584,500 and also at $788,750, with a downside case, so a Colorado lender sees where coffee shop the margin narrows. An appraiser in Colorado would test if revenue carry the occupancy cost the parcel commands.

Take the Colorado coffee shop history above, 30 loans, as background: a coffee shop study from Loan Analytics for Colorado, signed by Daniel Smith, MAI, for coffee shop, handles the site-specific Colorado testing, and nothing here assures Colorado approval of a coffee shop loan.