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

The median SBA approval in NAICS 722511 is $250,000, with the middle 80% of loans between $30,000 and $1,235,000. Across all industries the median is $180,000.

Which lenders are most active in full-service restaurants?

By dollars approved: The Huntington National Bank, Bank of Hope, Byline Bank, Newtek Bank, Newtek Small Business Finance, Inc.. 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, 9.8% 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 722511 · Restaurants & Hotels

SBA loans for full-service restaurants

43,646 SBA loans worth $21.26B have been approved in this industry since FY2010 - the #1 most-financed NAICS code in the country.

Median loan

$250,000

+39% vs all industries

Typical range

$30K-$1.2M

Middle 80%

Median rate

7.00%

7(a) initial note rate

Median term

10 yr

Charge-off rate

9.8%

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	3,906	$1.05B
Bank of Hope	894	$383.9M
Byline Bank	358	$365.9M
Newtek Bank	882	$331.5M
Newtek Small Business Finance, Inc.	456	$324.1M
Celtic Bank Corporation	521	$319.9M
JPMorgan Chase Bank	1,170	$304.6M
Readycap Lending, LLC	438	$283.1M
Fulton Bank	223	$244.2M
KeyBank	666	$236.7M

Geography

Where these loans were made

State	Loans	Share
California	5,765
New York	2,948
Texas	2,905
Florida	2,309
Ohio	2,211
Illinois	1,739
Pennsylvania	1,616
Michigan	1,601

Approvals by fiscal year

’10

’11

’12

’13

’14

’15

’16

’17

’18

’19

’20

’21

’22

’23

’24

’25

’26

Loan count. Final bar is a partial fiscal year.

Loan sizes

Under $50K
14%
$50K - $150K
21%
$150K - $350K
24%
$350K - $1M
28%
$1M - $2M
10%
Over $2M
4%

Nearby

Other restaurants & hotels industries

See the sector

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 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 722511 is $250,000, with the middle 80% of loans between $30,000 and $1,235,000. Across all industries the median is $180,000.
Which lenders are most active in full-service restaurants?: By dollars approved: The Huntington National Bank, Bank of Hope, Byline Bank, Newtek Bank, Newtek Small Business Finance, Inc.. 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, 9.8% 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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