How much do SBA lenders typically lend to a vending machine operators business?

The median SBA approval in NAICS 445132 is $140,000, with the middle 80% of loans between $20,000 and $250,000. Across all industries the median is $180,000.

Which lenders are most active in vending machine operators?

By dollars approved: United Midwest Savings Bank, The Huntington National Bank, Newtek Bank, WBD, Inc., California Statewide Certified Development Corporation. A lender's experience in your NAICS code matters - underwriters who have seen a hundred deals like yours ask better questions and move faster.

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NAICS 445132 · Retail

SBA loans for vending machine operators

628 SBA loans worth $93.5M have been approved in this industry since FY2010 - the #296 most-financed NAICS code in the country.

Median loan

$140,000

-22% vs all industries

Typical range

$20K-$250K

Middle 80%

Median rate

10.25%

7(a) initial note rate

Median term

10 yr

Charge-off rate

Cohort too small

Source: U.S. Small Business Administration, SBA 7(a) and 504 FOIA data, as of 2026-06-30. Approvals from FY2010 onward. How we calculate this.

Lenders

Most active in this industry

Lender	Loans	Approved
United Midwest Savings Bank	315	$42.0M
The Huntington National Bank	36	$3.7M
Newtek Bank	26	$3.6M
WBD, Inc.	2	$2.7M
California Statewide Certified Development Corporation	1	$2.1M
Stearns Bank	12	$2.1M
Celtic Bank Corporation	7	$2.1M
b1BANK	1	$2.0M
U.S. Bank	19	$1.5M
Vallant Bank	1	$1.4M

Geography

Where these loans were made

State	Loans	Share
Texas	81
California	72
Florida	51
Illinois	27
Ohio	24
Georgia	23
New York	22
Tennessee	22

An SBA 7(a) lender for loans this size

95% of the SBA loans approved in vending machine operators since FY2010 were under $350,000. SmartBiz makes SBA 7(a) loans up to $500,000. It is shown here as a separate, labelled option, outside the data rankings on this page. You apply on their site - we do not take applications and never see your information.

Check options with SmartBiz

We may be paid if you apply through this link. It does not change what we publish, and no lender can buy a place in our rankings. Details.

Approvals by fiscal year

’22

’23

’24

’25

’26

Loan count. Final bar is a partial fiscal year.

Loan sizes

Under $50K
18%
$50K - $150K
39%
$150K - $350K
38%
$350K - $1M
4%
$1M - $2M
1%
Over $2M
0%

Franchise brands in Vending Machine Operators

Franchise brand	Loans	Approved	Share
Naturals2Go	207	$27.3M
WaterStation	3	$1.8M

Brands with the most SBA loans recorded under this NAICS code, among brands with at least 10 loans in the file.

Nearby

Other retail industries

See the sector

Gasoline Stations with Convenience Stores9,734 · $788,400 Beer, Wine, and Liquor Stores8,158 · $300,000 Supermarkets and Other Grocery Retailers7,314 · $350,000 Pharmacies and Drug Stores4,651 · $350,000 Convenience Stores4,629 · $179,100 Used Car Dealers4,422 · $227,750 Automotive Parts and Accessories Stores2,779 · $181,100 Beer, Wine, and Liquor Retailers2,760 · $500,000

Common questions

How much do SBA lenders typically lend to a vending machine operators business?: The median SBA approval in NAICS 445132 is $140,000, with the middle 80% of loans between $20,000 and $250,000. Across all industries the median is $180,000.
Which lenders are most active in vending machine operators?: By dollars approved: United Midwest Savings Bank, The Huntington National Bank, Newtek Bank, WBD, Inc., California Statewide Certified Development Corporation. A lender's experience in your NAICS code matters - underwriters who have seen a hundred deals like yours ask better questions and move faster.

We are a publisher, not a lender or broker. We never take applications and are never paid by borrowers. Read the full disclosures.