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

The median SBA approval in NAICS 445299 is $150,000, with the middle 80% of loans between $25,000 and $590,000. Across all industries the median is $180,000.

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

By dollars approved: The Huntington National Bank, Wells Fargo Bank, Manufacturers and Traders Trust Company, Byline Bank, JPMorgan Chase 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 all other specialty food stores considered a risky industry by SBA lenders?

Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 10.0% 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.

NAICS 445299 · Retail

SBA loans for all other specialty food stores

2,624 SBA loans worth $702.0M have been approved in this industry since FY2010 - the #89 most-financed NAICS code in the country.

Median loan

$150,000

-17% vs all industries

Typical range

$25K-$590K

Middle 80%

Median rate

6.00%

7(a) initial note rate

Median term

10 yr

Charge-off rate

10.0%

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
The Huntington National Bank	194	$34.3M
Wells Fargo Bank	124	$32.8M
Manufacturers and Traders Trust Company	190	$23.0M
Byline Bank	26	$22.5M
JPMorgan Chase Bank	108	$20.0M
Bank of Hope	51	$18.1M
U.S. Bank	75	$12.4M
Newtek Small Business Finance, Inc.	27	$10.3M
Enterprise Bank & Trust	13	$9.0M
Truist Bank	60	$8.8M

Geography

Where these loans were made

State	Loans	Share
California	306
New York	234
Ohio	173
Pennsylvania	141
Texas	137
Florida	116
Massachusetts	107
New Jersey	104

Approvals by fiscal year

’10

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Loan count. Final bar is a partial fiscal year.

Loan sizes

Under $50K
21%
$50K - $150K
27%
$150K - $350K
31%
$350K - $1M
16%
$1M - $2M
4%
Over $2M
1%

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 stores business?: The median SBA approval in NAICS 445299 is $150,000, with the middle 80% of loans between $25,000 and $590,000. Across all industries the median is $180,000.
Which lenders are most active in all other specialty food stores?: By dollars approved: The Huntington National Bank, Wells Fargo Bank, Manufacturers and Traders Trust Company, Byline Bank, JPMorgan Chase 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 all other specialty food stores considered a risky industry by SBA lenders?: Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 10.0% 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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