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NAICS 445292 · Retail
SBA loans for confectionery and nut retailers
582 SBA loans worth $140.1M have been approved in this industry since FY2010 - the #310 most-financed NAICS code in the country.
Median loan
$140,000
-22% vs all industries
Typical range
$23K-$558K
Middle 80%
Median rate
6.75%
7(a) initial note rate
Median term
10 yr
Charge-off rate
9.8%
vs 7.6% all industries
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 | Share |
|---|---|---|---|
| The Huntington National Bank | 73 | $9.9M | |
| Wells Fargo Bank | 37 | $4.8M | |
| U.S. Bank | 26 | $4.3M | |
| Customers Bank | 2 | $3.8M | |
| Nicolet National Bank | 6 | $3.8M | |
| Plumas Bank | 1 | $3.7M | |
| California Statewide Certified Development Corporation | 3 | $3.4M | |
| Renasant Bank | 2 | $3.2M | |
| Manufacturers and Traders Trust Company | 26 | $3.1M | |
| TD Bank | 12 | $2.5M |
Geography
Where these loans were made
| State | Loans | Share |
|---|---|---|
| California | 59 | |
| Ohio | 50 | |
| New York | 48 | |
| Michigan | 34 | |
| Texas | 23 | |
| Florida | 22 | |
| Colorado | 22 | |
| Massachusetts | 21 |
An SBA 7(a) lender for loans this size
78% of the SBA loans approved in confectionery and nut retailers 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 SmartBizWe 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
Loan count. Final bar is a partial fiscal year.
Loan sizes
- Under $50K25%
- $50K - $150K26%
- $150K - $350K26%
- $350K - $1M19%
- $1M - $2M3%
- Over $2M1%
Franchise brands in Confectionery and Nut Retailers
| Franchise brand | Loans | Approved | Share |
|---|---|---|---|
| Kilwins Chocolates and Ice Cream Store | 34 | $16.3M | |
| Rocky Mountain Chocolate Factory | 21 | $6.2M | |
| Rocket Fizz Soda Pop and Candy Shop | 13 | $1.9M | |
| Kilwin's | 9 | $2.4M | |
| Cold Stone Creamery | 6 | $2.2M | |
| Molly's Cupcakes | 4 | $912K | |
| Sub Zero Ice Cream & Yogurt | 3 | $1.3M | |
| DQ Grill & Chill Operating Agreement | 1 | $1.4M | |
| Menchie's | 1 | $214K | |
| Red Mango | 1 | $203K |
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
Common questions
- How much do SBA lenders typically lend to a confectionery and nut retailers business?
- The median SBA approval in NAICS 445292 is $140,000, with the middle 80% of loans between $23,300 and $558,300. Across all industries the median is $180,000.
- Which lenders are most active in confectionery and nut retailers?
- By dollars approved: The Huntington National Bank, Wells Fargo Bank, U.S. Bank, Customers Bank, Nicolet National Bank. A lender's experience in your NAICS code matters - underwriters who have seen a hundred deals like yours ask better questions and move faster.
- Is confectionery and nut retailers considered a risky industry by SBA lenders?
- Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 9.8% were charged off, versus 7.6% across all SBA lending. That is materially above average, which in practice tends to mean tighter underwriting, more collateral, or a larger equity injection.
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