What is the SBA loan default rate for Drinking Places (Alcoholic Beverages)?

At 14.4%, Drinking Places (Alcoholic Beverages) 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. The rate is measured on the resolved loans (paid in full or charged off), loans that have reached a final outcome. 1476 lenders actively fund this industry.

Which SBA program is best for Drinking Places (Alcoholic Beverages)?

The SBA 7(a) program is the most commonly used for Drinking Places (Alcoholic Beverages) businesses, accounting for the majority of approved loans. The SBA 504 program is popular for larger real estate and equipment purchases.

NAICS 722410Accommodation & Food Services

How Much Can Drinking Places (Alcoholic Beverages) Businesses Get in SBA Loans?

Name: Drinking Places (Alcoholic Beverages) SBA Loan Performance Data (NAICS 722410)
Creator: PeerSense
License: https://peersense.com/terms-and-conditions

13,001 SBA loans totaling $4.0B have been approved for drinking places (alcoholic beverages) businesses (NAICS 722410). The average approved SBA loan is $310K, which is 9% below avg the $340K national average. 1476 active lenders fund this industry with a 14.4% default rate on the matured 2018-2021 loan cohort.

Moderate default risk14.4% vs 15.4% all industry avg

At 14.4%, Drinking Places (Alcoholic Beverages) 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. The capital source prices this risk into rate and structure.

Quick Answer

NAICS 722410 (Drinking Places (Alcoholic Beverages)) received 13,001 SBA loans worth $4.0B across 5+ states. Average loan $310K, average term 150 months, 14.4% default rate (resolved loan basis).1476 active SBA approved lenders fund this industry. Most drinking places (alcoholic beverages) loans use the SBA 7(a) program.

13,001

Total SBA Loans

$4.0B

Total Volume

$310K

Avg Loan Size

9% below avg

1,476

Active Lenders

150 mo

Avg Term

15% above avg

129,987

Jobs Supported

Is SBA Lending Growing for Drinking Places (Alcoholic Beverages)?

488

538

604

528

367

279

379

417

445

437

$158.0M

$205.3M

$267.3M

$225.4M

$167.9M

$164.0M

$202.0M

$248.8M

$195.9M

$179.3M

Which SBA Program Do Drinking Places (Alcoholic Beverages) Businesses Use Most?

SBA 7(a)11,904 (92%)

SBA 5041,098 (8%)

What Is the Best SBA Loan for Drinking Places (Alcoholic Beverages)?

SBA 7(a)

The most widely used SBA program for drinking places (alcoholic beverages) businesses: flexible terms, multiple use cases

Industry avg loan: $310K

Typical term: 150 months

Historical avg rate: 7.21%

1476+ lenders active in this industry

Default rate (2018 to 21 matured cohort): 14.4%

Where Are Drinking Places (Alcoholic Beverages) SBA Loans Most Common?

1,249 loans

$529.2M

999 loans

$220.2M

847 loans

$189.7M

845 loans

$161.7M

747 loans

$187.0M

SBA Lending Activity in Drinking Places (Alcoholic Beverages)

1,476 SBA lenders have funded 13,001 loans to drinking places (alcoholic beverages) businesses (NAICS 722410). 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.

Loans funded

13,001

Active lenders

1,476

Total volume

$4.0B

Avg loan size

$310K

Browse all SBA lenders

Drinking Places (Alcoholic Beverages) Industry Context

U.S. Employment

16,922,000

BLS · 2026

Talk to PeerSense

PeerSense sources capital for drinking places (alcoholic beverages) businesses. The capital source sets the terms. No upfront fee. Talk to PeerSense. Referral fee at closing.

Retainers

10%

Down with SBA 7(a)

25yr

Terms Available

Talk to PeerSense (317) 452-6990

Talk to PeerSense about financing a Drinking Places (Alcoholic Beverages) business.

Tell us your loan amount and use of funds. PeerSense sources capital. It is not the lender.

SBA 7(a) / 504: The desk will reach out. No obligation.

How big is your deal?

Where are you in the deal?

Equity or down payment ready

Credit score

Timeline to close

SBA already on the books?

What best describes your company

Liquid funds available outside this deal

Where is the property or business

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Referral fee realized at closing · Or call (317) 452 6990

How Does SBA Lending Work for Drinking Places (Alcoholic Beverages) Businesses?

Across all SBA loan programs, 13,001 loans have been approved for businesses classified under NAICS 722410 (Drinking Places (Alcoholic Beverages)), representing $4.0B in total capital deployed. The average approved loan of $310K is 9% below avg the national SBA average of $340K, with typical repayment terms of 150 months.

SBA lending for drinking places (alcoholic beverages) has remained relatively stable across recent fiscal years. 1476 active lenders continue funding this sector, providing consistent access to capital for both new ventures and established businesses looking to expand.

The industry sees a balanced mix of SBA programs, with 8% 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.

Talk to PeerSense about a drinking places (alcoholic beverages) file. The capital source sets the terms. The desk fee is paid at closing, never upfront.

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Frequently Asked Questions: Drinking Places (Alcoholic Beverages) SBA Loans

What is the average SBA loan size for drinking places (alcoholic beverages) businesses?

Based on 13,001 approved SBA loans, the average loan size for drinking places (alcoholic beverages) (NAICS 722410) is $310K. This compares to the national SBA average of $340K across all industries.

Which SBA loan program is best for a drinking places (alcoholic beverages) business?

SBA 7(a) is the most commonly used SBA program for drinking places (alcoholic beverages) businesses. The most widely used SBA program for drinking places (alcoholic beverages) businesses: flexible terms, multiple use cases. PeerSense can analyze your specific deal to determine the optimal program.

How many lenders fund SBA loans for drinking places (alcoholic beverages)?

1476 different SBA approved lenders have funded loans in this industry. Not all lenders are equally active in every industry. Talk to PeerSense. The capital source sets the terms for a drinking places (alcoholic beverages) file.

What states have the most SBA lending for drinking places (alcoholic beverages)?

CA leads with 1,249 SBA loans and $529.2M in total volume for drinking places (alcoholic beverages) businesses. WI, NY, OH also show strong lending activity in this sector.

How does PeerSense help drinking places (alcoholic beverages) businesses get SBA loans?

PeerSense is a capital advisory firm. Talk to PeerSense about a drinking places (alcoholic beverages) file. The capital source sets the terms. No upfront fee. The desk is paid at closing.

Related Accommodation & Food Services Industries

Full-Service Restaurants

49,950 loans · N/A

Avg: $266K

Full-Service Restaurants

41,841 loans · N/A

Avg: $483K

Limited-Service Restaurants

33,710 loans · N/A

Avg: $223K

Hotels (except Casino Hotels) and Motels

30,612 loans · N/A

Avg: $1.6M

Limited-Service Restaurants

28,029 loans · N/A

Avg: $431K

Snack and Nonalcoholic Beverage Bars

9,060 loans · N/A

Avg: $318K

Data aggregated from SBA loan records (1992 to 2025). Drinking Places (Alcoholic Beverages) defined by NAICS code 722410. Not financial advice. PeerSense sources capital through a curated network of commercial lenders and capital sources. Consult a lending professional before making financial decisions.