How Much Can Bed-and-Breakfast Inns Businesses Get in SBA Loans?
1,968 SBA loans totaling $1.1B have been approved for bed-and-breakfast inns businesses (NAICS 721191). The average approved SBA loan is $574K, which is 69% above avg the $340K national average. 441 active lenders fund this industry with a 10.0% default rate on the matured 2018-2021 loan cohort.
At 10.0%, Bed-and-Breakfast Inns sits well below the 15.4% all-industry SBA default rate (charged-off as a share of resolved loans) — low 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 721191 (Bed-and-Breakfast Inns) received 1,968 SBA loans worth $1.1B across 5+ states. Average loan $574K, average term 224 months, 10.0% default rate (resolved-loan basis).441 active SBA-approved lenders fund this industry. Most bed-and-breakfast inns loans use the SBA 504 program. There are approximately 2,464 U.S. establishments in this industry (Census 2022).
Is SBA Lending Growing for Bed-and-Breakfast Inns?-18% decline
Which SBA Program Do Bed-and-Breakfast Inns Businesses Use Most?
What Is the Best SBA Loan for Bed-and-Breakfast Inns?
29% of bed-and-breakfast inns loans use this program — ideal for real estate and major equipment purchases
Where Are Bed-and-Breakfast Inns SBA Loans Most Common?
Top SBA Lenders for Bed-and-Breakfast Inns
These banks have funded the most SBA loans for bed-and-breakfast inns businesses (NAICS 721191). PeerSense routes deals to lenders with proven appetite in your industry.
| # | Lender | Loans | Volume |
|---|---|---|---|
| 1 | Granite State Economic Develop(NH) | 134 | $70.5M |
| 2 | Columbia Bank(OR) | 63 | $40.9M |
| 3 | TD Bank, National Association(DE) | 41 | $20.8M |
| 4 | Manufacturers and Traders Trust Company(NY) | 40 | $11.0M |
| 5 | Bay Area Employment Developmen(CA) | 37 | $30.0M |
Bed-and-Breakfast Inns Industry Context
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How Does SBA Lending Work for Bed-and-Breakfast Inns Businesses?
Across all SBA loan programs, 1,968 loans have been approved for businesses classified under NAICS 721191 (Bed-and-Breakfast Inns), representing $1.1B in total capital deployed. The average approved loan of $574K is 69% above avg the national SBA average of $340K, with typical repayment terms of 224 months.
SBA lending for bed-and-breakfast inns has contracted approximately 18% over recent fiscal years. This shift may reflect changing market conditions, industry consolidation, or tightening credit standards in this sector. However, 441 lenders remain active, maintaining competitive options for qualified borrowers.
Notably, 29% of SBA loans in this industry use the 504 program — well above the national average — indicating that bed-and-breakfast inns businesses frequently finance major fixed assets like real estate, heavy equipment, or facility buildouts. The 504 program offers up to $5.5M with below-market fixed rates and only 10% down from the borrower.
PeerSense specializes in matching bed-and-breakfast inns 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 — Bed-and-Breakfast Inns SBA Loans
What is the average SBA loan size for bed-and-breakfast inns businesses?
Which SBA loan program is best for a bed-and-breakfast inns business?
How many lenders fund SBA loans for bed-and-breakfast inns?
What states have the most SBA lending for bed-and-breakfast inns?
How does PeerSense help bed-and-breakfast inns businesses get SBA loans?
Related Accommodation & Food Services Industries
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Limited-Service Restaurants
Drinking Places (Alcoholic Beverages)
Data aggregated from SBA loan records (1992–2025). Bed-and-Breakfast Inns defined by NAICS code 721191. Not financial advice. PeerSense is a capital advisory firm, not a lender. Consult a lending professional before making financial decisions.