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

The median SBA approval in NAICS 722211 is $201,000, with the middle 80% of loans between $25,000 and $683,000. Across all industries the median is $180,000.

Which lenders are most active in limited-service restaurants?

By dollars approved: Byline Bank, JPMorgan Chase Bank, PNC Bank, The Bank of Princeton, Bank of Hope. 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 limited-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 722211 · Restaurants & Hotels

SBA loans for limited-service restaurants

6,127 SBA loans worth $1.91B have been approved in this industry since FY2010 - the #36 most-financed NAICS code in the country.

Median loan

$201,000

+12% vs all industries

Typical range

$25K-$683K

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
Byline Bank	104	$66.5M
JPMorgan Chase Bank	368	$65.4M
PNC Bank	229	$55.5M
The Bank of Princeton	38	$45.7M
Bank of Hope	124	$44.2M
The Huntington National Bank	272	$43.5M
Truist Bank	101	$29.4M
U.S. Bank	102	$28.7M
Ameris Bank	43	$28.5M
TD Bank	104	$28.0M

Geography

Where these loans were made

State	Loans	Share
California	616
Texas	513
New York	378
Ohio	303
Illinois	274
Pennsylvania	229
New Jersey	211
Michigan	200

Approvals by fiscal year

’10

’11

’12

’13

’14

’17

’18

’19

’21

’22

’23

’24

’25

’26

Loan count. Final bar is a partial fiscal year.

Loan sizes

Under $50K
17%
$50K - $150K
20%
$150K - $350K
36%
$350K - $1M
22%
$1M - $2M
4%
Over $2M
1%

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 Full-Service Restaurants9,574 · $185,000 Drinking Places6,905 · $200,000 Caterers3,448 · $125,000 Mobile Food Services2,789 · $45,000

Common questions

How much do SBA lenders typically lend to a limited-service restaurants business?: The median SBA approval in NAICS 722211 is $201,000, with the middle 80% of loans between $25,000 and $683,000. Across all industries the median is $180,000.
Which lenders are most active in limited-service restaurants?: By dollars approved: Byline Bank, JPMorgan Chase Bank, PNC Bank, The Bank of Princeton, Bank of Hope. 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 limited-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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