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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 | Share |
|---|---|---|---|
| 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 |
An SBA 7(a) lender for loans this size
68% of the SBA loans approved in snack and nonalcoholic beverage bars 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 $50K17%
- $50K - $150K22%
- $150K - $350K29%
- $350K - $1M26%
- $1M - $2M4%
- Over $2M1%
Franchise brands in Snack and Nonalcoholic Beverage Bars
| Franchise brand | Loans | Approved | Share |
|---|---|---|---|
| Scooter's Coffee | 238 | $243.6M | |
| Smoothie King | 210 | $82.2M | |
| Biggby Coffee | 180 | $53.9M | |
| Cold Stone Creamery | 166 | $56.1M | |
| Tropical Smoothie Cafe | 138 | $64.3M | |
| Menchie's | 126 | $36.6M | |
| Rita's Ice-Custard-Happiness | 115 | $29.2M | |
| Crumbl | 94 | $63.0M | |
| Baskin-Robbins | 81 | $20.3M | |
| HTeaO | 79 | $78.2M |
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 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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