SBA 7(a) Quick Service Restaurant Feasibility Study in Vermont

Quick service restaurant loans in Vermont: size and franchising

The file for Vermont quick service restaurants under SBA 7(a) holds 27 loans from FY2017 to FY2026 and $4.1 million of gross dollars. From $50,000 to $198,500 covers the middle half of the Vermont loans, around a median of $140,000. Set beside the nationwide quick service restaurants median under SBA 7(a), Vermont reads 0.47x, a lighter lean for quick service restaurants in Vermont. A franchise listing appears on 7.4% of the loans in this quick service restaurant cell for Vermont.

Rank 51 among states and 4 of 39 among Vermont classes: that is how Vermont quick service restaurants stand under SBA 7(a). Approvals in Vermont peaked in FY2023 at 5 loans worth $549,500, and FY2026 records 2 loans for $815,000. Vermont sits close to last by count for 7(a) fast-food loans, but inside Vermont the class holds 4 of 39; loans here are small and the program matters locally.

No holder table exists for 27 Vermont loans, so a quick service restaurant borrower asks lenders in Vermont directly. By area, Chittenden leads with 11 loans, then Bennington with 4 and Rutland with 3. Lower on the list are Washington 2, Windham 2 and Caledonia 1.

Reading the outcome floors for Vermont quick service restaurants

Among 27 loans in Vermont, Vermont cancellations after approval stay unprinted, while funded Vermont loans are too few for charge-offs. No gap here claims zero. Only loans in SBA's Vermont files appear. Earlier Vermont loans to quick service restaurants give a yardstick, not a promise of financing for any Vermont project.

What a Vermont fast-food study must show

A small median, $140,000, points to leased units or conversions, so rent belongs beside sales. Count cars and walkers near Chittenden, then show what a drive-thru or counter captures in a state with long, quiet winters. Food, labor and royalties decide what is left. For a franchised unit, read the franchisor's disclosure. Staffing hours and shift plans set the cost floor, and the slowest quarter needs its own staffing schedule. An appraiser values a building on what another operator pays. For Vermont, the study and these loan records are meant to be read together. The plan should say plainly where the proposed unit departs from the small, mostly independent units in the file, and what that departure costs or earns over a full year, winter included, with each assumption traced to a source a reviewer can check.