How much do SBA lenders typically lend to a drinking places business?

The median SBA approval in NAICS 722410 is $200,000, with the middle 80% of loans between $25,000 and $1,000,000. Across all industries the median is $180,000.

Which lenders are most active in drinking places?

By dollars approved: The Huntington National Bank, United Community Bank, Byline Bank, Enterprise Bank & Trust, U.S. 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 drinking places considered a risky industry by SBA lenders?

Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 8.0% were charged off, versus 7.6% across all SBA lending. That is close to average.

NAICS 722410 · Restaurants & Hotels

SBA loans for drinking places

6,905 SBA loans worth $2.82B have been approved in this industry since FY2010 - the #30 most-financed NAICS code in the country.

Median loan

$200,000

+11% vs all industries

Typical range

$25K-$1.0M

Middle 80%

Median rate

6.75%

7(a) initial note rate

Median term

10 yr

Charge-off rate

8.0%

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
The Huntington National Bank	638	$131.9M
United Community Bank	135	$90.7M
Byline Bank	64	$53.1M
Enterprise Bank & Trust	63	$52.7M
U.S. Bank	228	$46.6M
Newtek Small Business Finance, Inc.	83	$40.8M
Pinnacle Bank	42	$40.4M
Celtic Bank Corporation	59	$37.7M
JPMorgan Chase Bank	182	$35.6M
Readycap Lending, LLC	62	$34.0M

Geography

Where these loans were made

State	Loans	Share
California	619
Ohio	521
Wisconsin	509
New York	483
Texas	403
Illinois	331
Pennsylvania	296
Michigan	266

Approvals by fiscal year

’10

’11

’12

’13

’14

’15

’16

’17

’18

’19

’20

’21

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’25

’26

Loan count. Final bar is a partial fiscal year.

Loan sizes

Under $50K
17%
$50K - $150K
23%
$150K - $350K
25%
$350K - $1M
25%
$1M - $2M
7%
Over $2M
3%

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 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 drinking places business?: The median SBA approval in NAICS 722410 is $200,000, with the middle 80% of loans between $25,000 and $1,000,000. Across all industries the median is $180,000.
Which lenders are most active in drinking places?: By dollars approved: The Huntington National Bank, United Community Bank, Byline Bank, Enterprise Bank & Trust, U.S. 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 drinking places considered a risky industry by SBA lenders?: Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 8.0% were charged off, versus 7.6% across all SBA lending. That is close to average.

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