How much do SBA lenders typically lend to a snack and nonalcoholic beverage bars business?

The median SBA approval in NAICS 722213 is $116,300, with the middle 80% of loans between $20,000 and $350,000. Across all industries the median is $180,000.

Which lenders are most active in snack and nonalcoholic beverage bars?

By dollars approved: JPMorgan Chase Bank, The Huntington National Bank, U.S. Bank, Bank of Hope, Truist 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 snack and nonalcoholic beverage bars considered a risky industry by SBA lenders?

Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 9.7% 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 722213 · Restaurants & Hotels

SBA loans for snack and nonalcoholic beverage bars

1,146 SBA loans worth $200.6M have been approved in this industry since FY2010 - the #181 most-financed NAICS code in the country.

Median loan

$116,300

-35% vs all industries

Typical range

$20K-$350K

Middle 80%

Median rate

6.00%

7(a) initial note rate

Median term

7 yr

Charge-off rate

9.7%

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
JPMorgan Chase Bank	125	$13.9M
The Huntington National Bank	72	$7.2M
U.S. Bank	43	$6.8M
Bank of Hope	20	$5.6M
Truist Bank	23	$5.3M
PNC Bank	24	$4.0M
Zions Bank, A Division of	28	$3.9M
Columbia Bank	22	$3.6M
NewBank	10	$3.6M
BankUnited	2	$3.5M

Geography

Where these loans were made

State	Loans	Share
California	119
Texas	73
New York	67
Ohio	63
Washington	58
Michigan	50
New Jersey	48
Utah	43

Approvals by fiscal year

’10

’11

’12

’13

’14

’18

’19

’20

’22

’23

’24

’25

Loan count. Final bar is a partial fiscal year.

Loan sizes

Under $50K
27%
$50K - $150K
30%
$150K - $350K
32%
$350K - $1M
9%
$1M - $2M
1%
Over $2M
0%

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 snack and nonalcoholic beverage bars business?: The median SBA approval in NAICS 722213 is $116,300, with the middle 80% of loans between $20,000 and $350,000. Across all industries the median is $180,000.
Which lenders are most active in snack and nonalcoholic beverage bars?: By dollars approved: JPMorgan Chase Bank, The Huntington National Bank, U.S. Bank, Bank of Hope, Truist 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 snack and nonalcoholic beverage bars considered a risky industry by SBA lenders?: Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 9.7% 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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