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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 | Share |
|---|---|---|---|
| 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 |
An SBA 7(a) lender for loans this size
62% of the SBA loans approved in all other specialty food 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 $50K12%
- $50K - $150K21%
- $150K - $350K29%
- $350K - $1M26%
- $1M - $2M7%
- Over $2M4%
Franchise brands in All Other Specialty Food Retailers
| Franchise brand | Loans | Approved | Share |
|---|---|---|---|
| Edible Arrangements | 20 | $9.4M | |
| The Spice & Tea Exchange | 10 | $2.3M | |
| Cold Stone Creamery | 9 | $4.2M | |
| Lean Kitchen | 6 | $1.4M | |
| Project Lean Nation | 5 | $1.2M | |
| Scooter's Coffee | 4 | $3.2M | |
| Papa Murphy's Take 'N' Bake Pizza | 4 | $860K | |
| Smoothie King | 3 | $2.0M | |
| The New York Butcher Shoppe | 3 | $1.2M | |
| Rocket Fizz Soda Pop and Candy Shop | 3 | $323K |
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 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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