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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 | Share |
|---|---|---|---|
| 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 |
An SBA 7(a) lender for loans this size
60% of the SBA loans approved in cafeterias, grill buffets, and buffets since FY2010 were under $350,000. SmartBiz makes SBA 7(a) loans up to $500,000. It is shown here as a separate, labelled option, outside the data rankings on this page. You apply on their site - we do not take applications and never see your information.
Check options with SmartBizWe may be paid if you apply through this link. It does not change what we publish, and no lender can buy a place in our rankings. Details.
Approvals by fiscal year
Loan count. Final bar is a partial fiscal year.
Loan sizes
- Under $50K18%
- $50K - $150K22%
- $150K - $350K20%
- $350K - $1M20%
- $1M - $2M11%
- Over $2M9%
Franchise brands in Cafeterias, Grill Buffets, and Buffets
| Franchise brand | Loans | Approved | Share |
|---|---|---|---|
| Golden Corral | 48 | $90.2M | |
| Pizza Ranch | 11 | $15.8M | |
| Forever Yogurt | 2 | $743K | |
| Just Love Coffee Cafe | 2 | $518K | |
| Surcheros Fresh Grill | 2 | $2.3M | |
| Cicis Pizza | 2 | $444K | |
| Chicken Express | 1 | $562K | |
| Moe's Southwest Grill | 1 | $150K | |
| Wetzel's Pretzels | 1 | $459K | |
| Jimmy John's | 1 | $330K |
Brands with the most SBA loans recorded under this NAICS code, among brands with at least 10 loans in the file.
Nearby
Other restaurants & hotels industries
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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