How much do SBA lenders typically lend to a food (health) supplement stores business?

The median SBA approval in NAICS 446191 is $110,700, with the middle 80% of loans between $15,000 and $500,000. Across all industries the median is $180,000.

Which lenders are most active in food (health) supplement stores?

By dollars approved: Wells Fargo Bank, Regions Bank, JPMorgan Chase Bank, U.S. Bank, Associated 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 food (health) supplement stores considered a risky industry by SBA lenders?

Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 12.8% 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.

NAICS 446191 · Retail

SBA loans for food (health) supplement stores

933 SBA loans worth $218.0M have been approved in this industry since FY2010 - the #219 most-financed NAICS code in the country.

Median loan

$110,700

-39% vs all industries

Typical range

$15K-$500K

Middle 80%

Median rate

6.00%

7(a) initial note rate

Median term

7 yr

Charge-off rate

12.8%

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
Wells Fargo Bank	84	$14.0M
Regions Bank	13	$10.8M
JPMorgan Chase Bank	55	$8.2M
U.S. Bank	46	$7.2M
Associated Bank	36	$5.4M
Harvest Small Business Finance, LLC	3	$5.3M
Open Bank	1	$5.0M
Hinsdale Bank & Trust Company	2	$4.5M
East West Bank	6	$4.3M
The Huntington National Bank	49	$4.1M

Geography

Where these loans were made

State	Loans	Share
California	142
Texas	75
Florida	49
New York	49
Ohio	37
Missouri	35
New Jersey	34
Georgia	31

Approvals by fiscal year

’10

’11

’12

’13

’14

’15

’16

’17

’18

’19

’20

’21

’22

’23

’24

’25

Loan count. Final bar is a partial fiscal year.

Loan sizes

Under $50K
29%
$50K - $150K
30%
$150K - $350K
23%
$350K - $1M
13%
$1M - $2M
4%
Over $2M
2%

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 food (health) supplement stores business?: The median SBA approval in NAICS 446191 is $110,700, with the middle 80% of loans between $15,000 and $500,000. Across all industries the median is $180,000.
Which lenders are most active in food (health) supplement stores?: By dollars approved: Wells Fargo Bank, Regions Bank, JPMorgan Chase Bank, U.S. Bank, Associated 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 food (health) supplement stores considered a risky industry by SBA lenders?: Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 12.8% 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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