SBA 504 Quick Service Restaurant Feasibility Study in New Hampshire

The New Hampshire SBA 504 quick service restaurant book in detail

For quick service restaurant projects in New Hampshire, SBA recorded 30 approvals, $10.5 million in gross dollars, in New Hampshire under 504 across FY2017 to FY2026. Ranked by loan count, New Hampshire takes position 18 for quick service restaurant in this program, and inside New Hampshire the class holds 3 of 39. Typical size: $282,000. Against the national median for these 504 loans, New Hampshire runs at 0.44x, a smaller ticket size. Half of all New Hampshire approvals fall from $172,000 to $462,500. 20.0% of these New Hampshire loans went to franchised businesses. At $282,000, the New Hampshire median is the figure to hold in view; no single measure marks the cell as unusual, so rely instead on the named holders and the county pattern for New Hampshire.

Where the New Hampshire loans sit

Among New Hampshire certified development companies, the leaders here are Granite State Economic Development Corporation (19 loans, $6.2 million) and Capital Regional Development Council (5 loans, $2.0 million). The table lists whichever party now holds a given loan. Within New Hampshire, the counties with the most loans are Rockingham with 11, Merrimack with 4, Belknap with 3 and Grafton with 3. Year by year in New Hampshire, approvals peaked at 6 loans, worth $2.4 million, in FY2025, with FY2026 at 1 loan and $755,000; the series began with 0 loans in FY2017.

New Hampshire: outcomes, read as minimums toward quick service restaurant

Loan Analytics does not print cancellation after approval for New Hampshire quick service restaurant, because the New Hampshire cohort falls short of the 30-loan cutoff; a blank for New Hampshire means withheld, never a zero. The same cutoff withholds the charge-off rate, since the funded New Hampshire cohort is small; read that blank as unknown, not as zero losses. Readers should treat these New Hampshire rates as floors, never as settled results. No separate coding limit applies to quick service restaurant.

What a New Hampshire quick service restaurant study has to prove

Under 504, a New Hampshire quick service restaurant project is financed in parts: with a share coming from a certified development company, a further share from a separate bank lender, and the balance from the New Hampshire borrower; the quick service restaurant study must show how the combined New Hampshire structure is covered. Demand for a quick service restaurant in New Hampshire has to be tested at the site through workday traffic, drive-through flow and the strength of the concept. Brand fees and build-out standards belong in the New Hampshire budget. Debt service coverage needs to run on $282,000 and as well at $462,500, plus a downside case, so a New Hampshire reader can see where quick service restaurant the margin narrows. An appraisal must value a quick service restaurant through rent relative to sales, and the forecast should show each for this site. Granite State Economic Development Corporation's 19 loans show what it holds for New Hampshire quick service restaurants; they are a record of holdings, not a forecast of any lender's terms.

The 30 New Hampshire approvals are history; the project and the site, not these figures, decide what a new quick service restaurant needs, and the figures promise no approval.