How Much Can All Other Specialty Food Stores Businesses Get in SBA Loans?
6,543 SBA loans totaling $1.3B have been approved for all other specialty food stores businesses (NAICS 445299). The average approved SBA loan is $192K, which is 44% below avg the $340K national average. 811 active lenders fund this industry with a 22.3% default rate on the matured 2018-2021 loan cohort.
At 22.3%, All Other Specialty Food Stores sits well above the 15.4% all-industry SBA default rate (charged-off as a share of resolved loans) — elevated default risk relative to other SBA industries. Lenders price this risk into rate and structure, which is why matching the file to the right lender matters.
NAICS 445299 (All Other Specialty Food Stores) received 6,543 SBA loans worth $1.3B across 5+ states. Average loan $192K, average term 105 months, 22.3% default rate (resolved-loan basis).811 active SBA-approved lenders fund this industry. Most all other specialty food stores loans use the SBA 7(a) program. There are approximately 6,146 U.S. establishments in this industry (Census 2022).
Is SBA Lending Growing for All Other Specialty Food Stores?-67% decline
Which SBA Program Do All Other Specialty Food Stores Businesses Use Most?
What Is the Best SBA Loan for All Other Specialty Food Stores?
The most widely used SBA program for all other specialty food stores businesses — flexible terms, multiple use cases
Where Are All Other Specialty Food Stores SBA Loans Most Common?
Top SBA Lenders for All Other Specialty Food Stores
These banks have funded the most SBA loans for all other specialty food stores businesses (NAICS 445299). PeerSense routes deals to lenders with proven appetite in your industry.
| # | Lender | Loans | Volume |
|---|---|---|---|
| 1 | Bank of America, National Association(NC) | 475 | $25.6M |
| 2 | Bank of Hope(CA) | 367 | $41.1M |
| 3 | JPMorgan Chase Bank, National Association(OH) | 290 | $38.1M |
| 4 | Manufacturers and Traders Trust Company(NY) | 273 | $31.3M |
| 5 | The Huntington National Bank(OH) | 267 | $37.0M |
All Other Specialty Food Stores Industry Context
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How Does SBA Lending Work for All Other Specialty Food Stores Businesses?
Across all SBA loan programs, 6,543 loans have been approved for businesses classified under NAICS 445299 (All Other Specialty Food Stores), representing $1.3B in total capital deployed. The average approved loan of $192K is 44% below avg the national SBA average of $340K, with typical repayment terms of 105 months.
SBA lending for all other specialty food stores has contracted approximately 67% over recent fiscal years. This shift may reflect changing market conditions, industry consolidation, or tightening credit standards in this sector. However, 811 lenders remain active, maintaining competitive options for qualified borrowers.
The overwhelming majority of SBA lending for all other specialty food stores uses the 7(a) program, which provides the most flexibility — covering working capital, equipment purchases, partner buyouts, debt refinancing, and business acquisitions up to $5M with terms up to 25 years.
PeerSense specializes in matching all other specialty food stores business owners with the capital sources most likely to approve their specific deal structure. As an advisory firm (not a lender), we structure your deal across our network of 500+ SBA-approved lenders to find the best terms — our referral fee is established upfront and paid at closing. No retainers.
Frequently Asked Questions — All Other Specialty Food Stores SBA Loans
What is the average SBA loan size for all other specialty food stores businesses?
Which SBA loan program is best for a all other specialty food stores business?
How many lenders fund SBA loans for all other specialty food stores?
What states have the most SBA lending for all other specialty food stores?
How does PeerSense help all other specialty food stores businesses get SBA loans?
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Data aggregated from SBA loan records (1992–2025). All Other Specialty Food Stores defined by NAICS code 445299. Not financial advice. PeerSense is a capital advisory firm, not a lender. Consult a lending professional before making financial decisions.