How Much Can Baked Goods Stores Businesses Get in SBA Loans?
3,332 SBA loans totaling $874.9M have been approved for baked goods stores businesses (NAICS 445291). The average approved SBA loan is $263K, which is 23% below avg the $340K national average. 606 active lenders fund this industry with a 16.3% default rate on the matured 2018-2021 loan cohort.
At 16.3%, Baked Goods Stores sits above the 15.4% all-industry SBA default rate (charged-off as a share of resolved loans) — above average 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 445291 (Baked Goods Stores) received 3,332 SBA loans worth $874.9M across 5+ states. Average loan $263K, average term 114 months, 16.3% default rate (resolved-loan basis).606 active SBA-approved lenders fund this industry. Most baked goods stores loans use the SBA 7(a) program.
Is SBA Lending Growing for Baked Goods Stores?
Which SBA Program Do Baked Goods Stores Businesses Use Most?
What Is the Best SBA Loan for Baked Goods Stores?
The most widely used SBA program for baked goods stores businesses — flexible terms, multiple use cases
Where Are Baked Goods Stores SBA Loans Most Common?
Top SBA Lenders for Baked Goods Stores
These banks have funded the most SBA loans for baked goods stores businesses (NAICS 445291). PeerSense routes deals to lenders with proven appetite in your industry.
| # | Lender | Loans | Volume |
|---|---|---|---|
| 1 | The Huntington National Bank(OH) | 236 | $45.1M |
| 2 | JPMorgan Chase Bank, National Association(OH) | 167 | $20.6M |
| 3 | PNC Bank, National Association(DE) | 138 | $29.1M |
| 4 | Wells Fargo Bank National Association(SD) | 122 | $27.3M |
| 5 | Bank of America, National Association(NC) | 110 | $8.0M |
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How Does SBA Lending Work for Baked Goods Stores Businesses?
Across all SBA loan programs, 3,332 loans have been approved for businesses classified under NAICS 445291 (Baked Goods Stores), representing $874.9M in total capital deployed. The average approved loan of $263K is 23% below avg the national SBA average of $340K, with typical repayment terms of 114 months.
SBA lending for baked goods stores has remained relatively stable across recent fiscal years. 606 active lenders continue funding this sector, providing consistent access to capital for both new ventures and established businesses looking to expand.
The overwhelming majority of SBA lending for baked goods 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 baked goods 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 — Baked Goods Stores SBA Loans
What is the average SBA loan size for baked goods stores businesses?
Which SBA loan program is best for a baked goods stores business?
How many lenders fund SBA loans for baked goods stores?
What states have the most SBA lending for baked goods stores?
How does PeerSense help baked goods stores businesses get SBA loans?
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Data aggregated from SBA loan records (1992–2025). Baked Goods Stores defined by NAICS code 445291. Not financial advice. PeerSense is a capital advisory firm, not a lender. Consult a lending professional before making financial decisions.