How Much Can Cafeterias, Grill Buffets, and Buffets Businesses Get in SBA Loans?
346 SBA loans totaling $219.7M have been approved for cafeterias, grill buffets, and buffets businesses (NAICS 722514). The average approved SBA loan is $635K, which is 87% above avg the $340K national average. 148 active lenders fund this industry with a 10.8% default rate on the matured 2018-2021 loan cohort.
At 10.8%, Cafeterias, Grill Buffets, and Buffets sits below the 15.4% all-industry SBA default rate (charged-off as a share of resolved loans) — moderate 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 722514 (Cafeterias, Grill Buffets, and Buffets) received 346 SBA loans worth $219.7M across 5+ states. Average loan $635K, average term 145 months, 10.8% default rate (resolved-loan basis).148 active SBA-approved lenders fund this industry. Most cafeterias, grill buffets, and buffets loans use the SBA 7(a) program. There are approximately 4,774 U.S. establishments in this industry (Census 2022).
Is SBA Lending Growing for Cafeterias, Grill Buffets, and Buffets?+119% growth
Which SBA Program Do Cafeterias, Grill Buffets, and Buffets Businesses Use Most?
What Is the Best SBA Loan for Cafeterias, Grill Buffets, and Buffets?
The most widely used SBA program for cafeterias, grill buffets, and buffets businesses — flexible terms, multiple use cases
Where Are Cafeterias, Grill Buffets, and Buffets SBA Loans Most Common?
Top SBA Lenders for Cafeterias, Grill Buffets, and Buffets
These banks have funded the most SBA loans for cafeterias, grill buffets, and buffets businesses (NAICS 722514). PeerSense routes deals to lenders with proven appetite in your industry.
| # | Lender | Loans | Volume |
|---|---|---|---|
| 1 | Northeast Bank(ME) | 15 | $2.0M |
| 2 | The Huntington National Bank(OH) | 13 | $3.7M |
| 3 | Manufacturers and Traders Trust Company(NY) | 13 | $1.1M |
| 4 | KeyBank National Association(OH) | 9 | $3.6M |
| 5 | Bank of Hope(CA) | 9 | $3.6M |
Cafeterias, Grill Buffets, and Buffets Industry Context
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PeerSense places SBA loans for cafeterias, grill buffets, and buffets businesses nationwide. We match you with the right capital source — no retainers, referral fee at closing.
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How Does SBA Lending Work for Cafeterias, Grill Buffets, and Buffets Businesses?
Across all SBA loan programs, 346 loans have been approved for businesses classified under NAICS 722514 (Cafeterias, Grill Buffets, and Buffets), representing $219.7M in total capital deployed. The average approved loan of $635K is 87% above avg the national SBA average of $340K, with typical repayment terms of 145 months.
SBA lending for cafeterias, grill buffets, and buffets is accelerating — loan volume has grown approximately 119% over recent fiscal years. This upward trajectory suggests expanding access to capital and growing lender confidence in this sector. Peak activity occurred in FY2025.
The industry sees a balanced mix of SBA programs, with 5% of loans using the 504 program for fixed asset acquisition and the majority using 7(a) for its flexibility across working capital, equipment, and business acquisition uses. SBA 7(a) loans offer up to $5M with terms up to 25 years for real estate.
PeerSense specializes in matching cafeterias, grill buffets, and buffets 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 — Cafeterias, Grill Buffets, and Buffets SBA Loans
What is the average SBA loan size for cafeterias, grill buffets, and buffets businesses?
Which SBA loan program is best for a cafeterias, grill buffets, and buffets business?
How many lenders fund SBA loans for cafeterias, grill buffets, and buffets?
What states have the most SBA lending for cafeterias, grill buffets, and buffets?
How does PeerSense help cafeterias, grill buffets, and buffets businesses get SBA loans?
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Data aggregated from SBA loan records (1992–2025). Cafeterias, Grill Buffets, and Buffets defined by NAICS code 722514. Not financial advice. PeerSense is a capital advisory firm, not a lender. Consult a lending professional before making financial decisions.