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

The median SBA approval in NAICS 722514 is $210,000, with the middle 80% of loans between $25,000 and $1,782,000. Across all industries the median is $180,000.

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

By dollars approved: America First Federal Credit Union, Golden Bank, Banc of California, First Merchants Bank, 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, 9.6% 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 722514 · Restaurants & Hotels

SBA loans for cafeterias, grill buffets, and buffets

361 SBA loans worth $232.1M have been approved in this industry since FY2010 - the #413 most-financed NAICS code in the country.

Median loan

$210,000

+17% vs all industries

Typical range

$25K-$1.8M

Middle 80%

Median rate

7.25%

7(a) initial note rate

Median term

10 yr

Charge-off rate

9.6%

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
America First Federal Credit Union	5	$16.0M
Golden Bank	6	$12.1M
Banc of California	7	$11.6M
First Merchants Bank	4	$11.1M
Commercial Bank of California	2	$8.8M
First Bank	7	$7.1M
The Huntington National Bank	21	$6.3M
Live Oak Banking Company	3	$5.8M
Pinnacle Bank	3	$5.4M
Coastal States Bank	2	$5.4M

Geography

Where these loans were made

State	Loans	Share
California	58
New York	36
Texas	34
Puerto Rico	20
Florida	18
Washington	15
Georgia	14
Massachusetts	13

Approvals by fiscal year

’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
18%
$50K - $150K
22%
$150K - $350K
20%
$350K - $1M
20%
$1M - $2M
11%
Over $2M
9%

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 722514 is $210,000, with the middle 80% of loans between $25,000 and $1,782,000. Across all industries the median is $180,000.
Which lenders are most active in cafeterias, grill buffets, and buffets?: By dollars approved: America First Federal Credit Union, Golden Bank, Banc of California, First Merchants Bank, 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, 9.6% 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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