USDA Feasibility Study for Grocery Stores and Food Retail in Hawaii

    NAICS 445110

    Grocery and food retail projects in rural Hawaii serve import-dependent communities where freight cost and shelf price define the competitive set. An independent USDA feasibility study consultant delineates the trade area and benchmarks sales per square foot; the independent USDA feasibility study company models freight and shrink explicitly.

    Program Fit

    B&I as an essential retail business, typically within the enhanced 85 percent FY2026 tier for loans under $5 million.

    What the Study Covers

    Framed to the scope required by 7 CFR Part 5001 Appendix A for OneRD guaranteed loan submissions.

    • Market demand and competitive supply analysis
    • Technical and site feasibility, including environmental considerations
    • Five to ten year financial projections with DSCR, DCF, and sensitivity analysis
    • Management and operational capacity assessment
    • Economic feasibility and rural community impact

    Hawaii Market Evidence

    With about 88.4 percent of food imported by weight (Loke & Leung, 2013), Hawaii grocery economics turn on shipping cost and schedule; neighbor-island stores also carry hurricane-driven inventory risk. USDA's Honolulu determination treats only the Urban Honolulu and East Honolulu census-designated places as urban, so most of Oahu and all neighbor-island territory is B&I-eligible; every Hawaii study includes a dated, address-level USDA map determination.

    Frequently Asked Questions

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