How much do SBA lenders typically lend to a full-service restaurants business?

The median SBA approval in NAICS 722110 is $185,000, with the middle 80% of loans between $25,000 and $897,000. Across all industries the median is $180,000.

Which lenders are most active in full-service restaurants?

By dollars approved: JPMorgan Chase Bank, Bank of Hope, The Huntington National Bank, Truist Bank, Fulton 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 full-service restaurants considered a risky industry by SBA lenders?

Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 8.4% were charged off, versus 7.6% across all SBA lending. That is close to average.

NAICS 722110 · Restaurants & Hotels

SBA loans for full-service restaurants

9,574 SBA loans worth $3.40B have been approved in this industry since FY2010 - the #22 most-financed NAICS code in the country.

Median loan

$185,000

+3% vs all industries

Typical range

$25K-$897K

Middle 80%

Median rate

6.00%

7(a) initial note rate

Median term

10 yr

Charge-off rate

8.4%

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
JPMorgan Chase Bank	777	$127.2M
Bank of Hope	241	$87.8M
The Huntington National Bank	528	$86.9M
Truist Bank	219	$79.9M
Fulton Bank	65	$62.8M
Enterprise Bank & Trust	70	$54.9M
PNC Bank	162	$54.5M
First National Bank of Pennsylvania	90	$48.9M
Columbia Bank	123	$47.2M
TD Bank	162	$43.8M

Geography

Where these loans were made

State	Loans	Share
California	1,001
New York	741
Texas	691
Ohio	510
Pennsylvania	405
Illinois	375
Massachusetts	360
New Jersey	342

Approvals by fiscal year

’10

’11

’12

’13

’14

’17

’18

’20

’21

’22

’23

’24

’25

’26

Loan count. Final bar is a partial fiscal year.

Loan sizes

Under $50K
21%
$50K - $150K
23%
$150K - $350K
24%
$350K - $1M
24%
$1M - $2M
6%
Over $2M
2%

Nearby

Other restaurants & hotels industries

See the sector

Full-Service Restaurants43,646 · $250,000 Limited-Service Restaurants29,225 · $288,000 Hotels (except Casino Hotels) and Motels19,493 · $1,804,000 Snack and Nonalcoholic Beverage Bars9,692 · $210,600 Drinking Places6,905 · $200,000 Limited-Service Restaurants6,127 · $201,000 Caterers3,448 · $125,000 Mobile Food Services2,789 · $45,000

Common questions

How much do SBA lenders typically lend to a full-service restaurants business?: The median SBA approval in NAICS 722110 is $185,000, with the middle 80% of loans between $25,000 and $897,000. Across all industries the median is $180,000.
Which lenders are most active in full-service restaurants?: By dollars approved: JPMorgan Chase Bank, Bank of Hope, The Huntington National Bank, Truist Bank, Fulton 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 full-service restaurants considered a risky industry by SBA lenders?: Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 8.4% were charged off, versus 7.6% across all SBA lending. That is close to average.

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