How much do SBA lenders typically lend to a cafeterias, grill buffets, and buffets business?

The median SBA approval in NAICS 722212 is $81,250, with the middle 80% of loans between $15,000 and $477,800. Across all industries the median is $180,000.

Which lenders are most active in cafeterias, grill buffets, and buffets?

By dollars approved: Metro City Bank, PromiseOne Bank, Bank of Hope, SBA CLSC Servicing, Commercial Bank of California. 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 cafeterias, grill buffets, and buffets considered a risky industry by SBA lenders?

Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 16.7% 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 722212 · Restaurants & Hotels

SBA loans for cafeterias, grill buffets, and buffets

58 SBA loans worth $10.7M have been approved in this industry since FY2010 - the #821 most-financed NAICS code in the country.

Median loan

$81,250

-55% vs all industries

Typical range

$15K-$478K

Middle 80%

Median rate

6.00%

7(a) initial note rate

Median term

7 yr

Charge-off rate

16.7%

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
Metro City Bank	3	$1.7M
PromiseOne Bank	3	$1.3M
Bank of Hope	8	$1.1M
SBA CLSC Servicing	1	$1.0M
Commercial Bank of California	2	$576K
Centennial Bank	1	$550K
Northfield Bank	2	$500K
Mount Vernon Bank & Trust Company	1	$478K
U.S. Bank	4	$460K
Security Federal Bank	1	$447K

Geography

Where these loans were made

State	Loans	Share
California	10
Puerto Rico	9
North Carolina	6
New Jersey	4
New York	4
Texas	3
Massachusetts	3
Ohio	2

Approvals by fiscal year

’10

’11

’12

’13

Loan count. Final bar is a partial fiscal year.

Loan sizes

Under $50K
36%
$50K - $150K
26%
$150K - $350K
16%
$350K - $1M
21%
$1M - $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 Full-Service Restaurants9,574 · $185,000 Drinking Places6,905 · $200,000 Limited-Service Restaurants6,127 · $201,000 Caterers3,448 · $125,000

Common questions

How much do SBA lenders typically lend to a cafeterias, grill buffets, and buffets business?: The median SBA approval in NAICS 722212 is $81,250, with the middle 80% of loans between $15,000 and $477,800. Across all industries the median is $180,000.
Which lenders are most active in cafeterias, grill buffets, and buffets?: By dollars approved: Metro City Bank, PromiseOne Bank, Bank of Hope, SBA CLSC Servicing, Commercial Bank of California. 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 cafeterias, grill buffets, and buffets considered a risky industry by SBA lenders?: Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 16.7% 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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