Skip to main content
Prime Rate:6.75%Fed Funds:3.64%5-Yr Treasury:3.88%10-Yr Treasury:4.25%30-Yr Treasury:4.83%30-Yr Mortgage:6.22%·Updated Mar 19, 2026Prime Rate:6.75%Fed Funds:3.64%5-Yr Treasury:3.88%10-Yr Treasury:4.25%30-Yr Treasury:4.83%30-Yr Mortgage:6.22%·Updated Mar 19, 2026
Rates
NAICS 312Independent Advantage

Beverage & Tobacco

SBA loan performance data based on 4,430 resolved loans

Overall Default Rate
7.6%
All businesses
Avg Loan Size
$507K
Non-franchise
Resolved Loans
4,430
In our database
Franchise Advantage
-6.7%
Lower = better

Franchise vs Independent Comparison

MetricAll BusinessesFranchise Only
Default Rate7.6%14.3%
Avg Loan Size$507K$150K
Resolved Loans4,41614
Chargeoffs3342
Franchise Brands-19

Default Rate Comparison

All Businesses7.6%
Franchise Businesses14.3%

Franchise Brands in Beverage & Tobacco

There are 19 franchise brands in this industry with SBA lending data. Franchise businesses in this sector have a 14.3% default rate compared to 7.6% for all businesses.

Browse 19 Franchise Brands

Looking for Beverage & Tobacco Financing?

PeerSense connects you with SBA lenders who specialize in your industry. Get matched based on real lending data, not generic directories.

About SBA Loans for Beverage & Tobacco

The Beverage & Tobacco sector (NAICS 312) has 4,430 resolved SBA loans in our database with an overall default rate of 7.6%. This is below the national average, indicating relatively strong loan performance in this industry.

Interestingly, independent businesses in Beverage & Tobacco actually perform better than franchises, with a 7.6% default rate vs 14.3% for franchise operations.

The average SBA loan size in this sector is $507K. Franchise operations in this industry have an average loan size of $150K, lower than the industry average.

Financing a Beverage & Tobacco business? Get matched to an SBA lender.

Tell us your loan amount and use of funds. We route you to the lender most likely to fund a deal in your industry.

SBA 7(a) / 504 — Response within 4 business hours. No obligation.

One more step: check the consent box above and type your full legal name as signature to enable the submit button.

No retainers · Referral fee at closing · Or call (317) 452-6990

Beverage & Tobacco Get Financing