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 11.7% historical default rate.
NAICS 445120 (Convenience Stores) received 10,136 SBA loans worth $2.7B across 5+ states. Average loan $267K, average term 146 months, default rate 11.7%.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?
Top SBA Lenders for Convenience Stores
These banks have funded the most SBA loans for convenience stores businesses (NAICS 445120). PeerSense routes deals to lenders with proven appetite in your industry.
| # | Lender | Loans | Volume |
|---|---|---|---|
| 1 | The Huntington National Bank(OH) | 634 | $88.8M |
| 2 | Bank of America, National Association(NC) | 485 | $20.8M |
| 3 | Commonwealth Business Bank(CA) | 480 | $238.2M |
| 4 | U.S. Bank, National Association(OH) | 385 | $46.1M |
| 5 | Bank of Hope(CA) | 381 | $113.8M |
Convenience Stores Industry Context
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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. No retainers.
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.