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

The median SBA approval in NAICS 722515 is $210,600, with the middle 80% of loans between $25,000 and $697,400. Across all industries the median is $180,000.

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

By dollars approved: The Huntington National Bank, First Bank of the Lake, United Community Bank, Citizens Bank, Newtek 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, 10.0% 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 722515 · Restaurants & Hotels

SBA loans for snack and nonalcoholic beverage bars

9,692 SBA loans worth $3.14B have been approved in this industry since FY2010 - the #20 most-financed NAICS code in the country.

Median loan

$210,600

+17% vs all industries

Typical range

$25K-$697K

Middle 80%

Median rate

7.75%

7(a) initial note rate

Median term

10 yr

Charge-off rate

10.0%

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	1,107	$275.5M
First Bank of the Lake	118	$82.6M
United Community Bank	125	$72.3M
Citizens Bank	147	$63.6M
Newtek Bank	221	$63.5M
Live Oak Banking Company	54	$50.9M
Newtek Small Business Finance, Inc.	119	$42.7M
Bank of Hope	135	$40.8M
Hanmi Bank	69	$40.7M
Byline Bank	54	$39.8M

Geography

Where these loans were made

State	Loans	Share
California	1,317
Texas	1,063
Florida	544
Ohio	442
New York	422
Michigan	375
Washington	324
Pennsylvania	316

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
17%
$50K - $150K
22%
$150K - $350K
29%
$350K - $1M
26%
$1M - $2M
4%
Over $2M
1%

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 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 snack and nonalcoholic beverage bars business?: The median SBA approval in NAICS 722515 is $210,600, with the middle 80% of loans between $25,000 and $697,400. Across all industries the median is $180,000.
Which lenders are most active in snack and nonalcoholic beverage bars?: By dollars approved: The Huntington National Bank, First Bank of the Lake, United Community Bank, Citizens Bank, Newtek 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, 10.0% 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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