SBA 7(a) Coffee Shop Feasibility Study in New Hampshire

New Hampshire coffee shop lending: dollars and loan size

In New Hampshire, coffee shops and snack bars took 59 loans under SBA 7(a); gross New Hampshire approvals total $11.7 million from FY2017 through FY2026. $85,000 is the New Hampshire median, and the middle half of coffee shops and snack bars loans stretches from $25,000 to $211,000. Against the national coffee shops and snack bars median under SBA 7(a), the New Hampshire median stands at 0.38x, smaller than the nationwide coffee shops and snack bars book carries. A franchise listing appears on 30.5% of the loans in this coffee shop cell for New Hampshire.

Counting loans, New Hampshire holds rank 34 among the states for coffee shops and snack bars, and inside New Hampshire this class takes 6 of 39 among SBA 7(a) classes. Approvals in New Hampshire peaked in FY2024 at 10 loans worth $2.2 million, and FY2026 records 8 loans for $890,000. Coffee shops are small-ticket businesses, so a 7(a) loan in New Hampshire often covers equipment and working capital more than property, and this cell shows that at the program level.

At the head of the New Hampshire holder list is TD Bank, National Association: 10 loans and $327,600. Next come Meredith Village Savings Bank, which holds 7 loans valued at $2.1 million and Manufacturers and Traders Trust Company, which holds 5 loans valued at $300,000. SBA's New Hampshire file puts TD Bank, National Association first among 59 loans, where each name holds or held coffee shops and snack bars loans; none is rated. By area, Hillsborough leads with 14 loans, then Rockingham with 12 and Belknap with 11. Lower on the list are Strafford 7, Grafton 6 and Carroll 4.

Cancellation and loss figures for New Hampshire coffee shops and snack bars

SBA's New Hampshire file for FY2017 to FY2024 shows 4.4% or more ended in cancellation, against a ceiling of 8.9% that adds loans never disbursed. Losses stay unprinted: the New Hampshire funded cohort is too small, and a New Hampshire blank is not a clean bill. Only loans in SBA's New Hampshire files appear.

Testing a New Hampshire coffee shop

Morning commuter flow and daytime foot traffic near Hillsborough are the revenue engine, so measure them at the door instead of assuming a busy street. A cup sells for little, so volume carries the forecast: show how many transactions an hour the layout and the staff can serve. Espresso machines, grinders and refrigeration are a large part of a small project, and each should have a quote behind it. The median loan here is $85,000, which suggests projects where the equipment list and the lease deposit matter more than any building. Chains and independent roasters should be mapped by drive time. Build-out has little resale value, so cash flow carries the credit.