SBA 7(a) Coffee Shop Feasibility Study in Nevada

Nevada coffee: one county and a higher ticket

Clark County alone accounts for 57 of the 76 loans Nevada coffee and snack operators drew under 7(a), with Washoe next at 13, Churchill and Douglas at 2 each. The record covers $33.1 million in approvals between FY2017 and FY2026. Its distinguishing metric is size: a $336,850 median, 1.50x what the class borrows nationally at the median, with the middle of the range from $119,625 to $495,650. Coffee ranks 7th of Nevada's 39 classes, and by loan count the state stands 27th nationally. Franchised outlets took 50.0% of the loans.

Holders

Zions Bancorporation, National Association has 8 loans for $4.1 million. The 6 loans at America First Federal Credit Union come to $5.6 million, the largest dollar total on the list, while Wells Fargo Bank National Association has 6 for $1.7 million and U.S. Bank, National Association 6 for $592,400, the smallest average. First Bank of the Lake has 5 for $3.4 million. SBA reports these as present holders, which does not describe what any of them lends today.

Outcomes and a withheld rate

Cancellation after approval is floored at 6.1% and reaches 8.2% when loans never disbursed are counted. No charge-off rate is printed for Nevada because the early funded group is thin, and a missing figure is no evidence of a clean record. Approvals are rising: 5 loans and $1.6 million in FY2017, 7 and $6.3 million in FY2021, and 17 loans but $5.2 million in FY2026, which means many small loans in the latest year.

Planning a Nevada coffee concept

Las Vegas and Reno are different coffee markets, and the study should say which it is entering. Tourist traffic, casino workers and residents buy coffee at different hours, so the model needs a transaction count by time of day and an average ticket that reflects the real mix. It should test heat and summer demand for cold drinks, the competition from drive-through chains in the same corridor, lease cost, and build-out against a loan near $336,850. With half of the loans franchised, the file should say if the plan is a chain unit or a one-off. Debt service must be covered in the slow months, and the appraisal will give equipment limited weight.