How much do SBA lenders typically lend to a all other specialty food retailers business?

The median SBA approval in NAICS 445298 is $236,000, with the middle 80% of loans between $35,000 and $1,180,000. Across all industries the median is $180,000.

Which lenders are most active in all other specialty food retailers?

By dollars approved: The Huntington National Bank, Readycap Lending, LLC, Empire State Certified Development Corporation, Capital One, Old 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.

NAICS 445298 · Retail

SBA loans for all other specialty food retailers

761 SBA loans worth $356.1M have been approved in this industry since FY2010 - the #249 most-financed NAICS code in the country.

Median loan

$236,000

+31% vs all industries

Typical range

$35K-$1.2M

Middle 80%

Median rate

10.00%

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
The Huntington National Bank	106	$29.4M
Readycap Lending, LLC	30	$11.1M
Empire State Certified Development Corporation	6	$10.6M
Capital One	3	$8.0M
Old National Bank	8	$7.2M
FinWise Bank	4	$6.9M
Northeast Bank	43	$6.8M
Twin Cities-Metro Certified Development Company	3	$5.8M
Rockland Trust Company	6	$5.5M
First Bank of the Lake	10	$5.5M

Geography

Where these loans were made

State	Loans	Share
California	75
New York	72
Florida	60
Ohio	56
Texas	48
Michigan	39
Pennsylvania	29
Minnesota	27

Approvals by fiscal year

’22

’23

’24

’25

’26

Loan count. Final bar is a partial fiscal year.

Loan sizes

Under $50K
12%
$50K - $150K
21%
$150K - $350K
29%
$350K - $1M
26%
$1M - $2M
7%
Over $2M
4%

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 all other specialty food retailers business?: The median SBA approval in NAICS 445298 is $236,000, with the middle 80% of loans between $35,000 and $1,180,000. Across all industries the median is $180,000.
Which lenders are most active in all other specialty food retailers?: By dollars approved: The Huntington National Bank, Readycap Lending, LLC, Empire State Certified Development Corporation, Capital One, Old 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.

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