How Much Can Convenience Stores Businesses Get in SBA Loans?
10,136 SBA loans totaling $2.7B have been approved for convenience stores businesses (NAICS 445120). The average approved SBA loan is $267K, which is 22% below avg the $340K national average. 972 active lenders fund this industry with a 15.6% default rate on the matured 2018-2021 loan cohort.
At 15.6%, Convenience 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 445120 (Convenience Stores) received 10,136 SBA loans worth $2.7B across 5+ states. Average loan $267K, average term 146 months, 15.6% default rate (resolved-loan basis).972 active SBA-approved lenders fund this industry. Most convenience stores loans use the SBA 7(a) program.
Is SBA Lending Growing for Convenience Stores?-83% decline
Which SBA Program Do Convenience Stores Businesses Use Most?
What Is the Best SBA Loan for Convenience Stores?
The most widely used SBA program for convenience stores businesses: flexible terms, multiple use cases
Where Are Convenience Stores SBA Loans Most Common?
SBA Lending Activity in Convenience Stores
972 SBA lenders have funded 10,136 loans to convenience stores businesses (NAICS 445120). Which lender approves your deal depends on your location, loan size, credit profile and time in business, not on who funded someone else. PeerSense makes the introduction.
Convenience Stores Industry Context
Ready to Fund Your Convenience Stores Business?
PeerSense places SBA loans for convenience stores businesses nationwide. We match you with the right capital source. Referral fee at closing.
Retainers
Down with SBA 7(a)
Terms Available
Financing a Convenience Stores 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 24–48 hours. No obligation.
How Does SBA Lending Work for Convenience Stores Businesses?
Across all SBA loan programs, 10,136 loans have been approved for businesses classified under NAICS 445120 (Convenience Stores), representing $2.7B in total capital deployed. The average approved loan of $267K is 22% below avg the national SBA average of $340K, with typical repayment terms of 146 months.
SBA lending for convenience stores has contracted approximately 83% over recent fiscal years. This shift may reflect changing market conditions, industry consolidation, or tightening credit standards in this sector. However, 972 lenders remain active, maintaining competitive options for qualified borrowers.
The industry sees a balanced mix of SBA programs, with 6% 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 convenience 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.
Frequently Asked Questions: Convenience Stores SBA Loans
What is the average SBA loan size for convenience stores businesses?
Which SBA loan program is best for a convenience stores business?
How many lenders fund SBA loans for convenience stores?
What states have the most SBA lending for convenience stores?
How does PeerSense help convenience stores businesses get SBA loans?
Related Retail Trade Industries
Gasoline Stations with Convenience Stores
Beer, Wine, and Liquor Stores
Supermarkets and Other Grocery (except Convenience) Stores
Used Car Dealers
Pharmacies and Drug Stores
Automotive Parts and Accessories Stores
Data aggregated from SBA loan records (1992–2025). Convenience Stores defined by NAICS code 445120. Not financial advice. PeerSense is a capital advisory firm, not a lender. Consult a lending professional before making financial decisions.